# EDGAR Filing Document

**Accession Number:** 0001965358
**File Stem:** 0001539497-23-000313
**Filing Date:** 2023-2
**Character Count:** 3798342
**Document Hash:** 71882b53b73649683fa226a9ff9522c5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-23-000313.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001539497-23-000313

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

**PUBLIC DOCUMENT COUNT**: 83

**CONFORMED PERIOD OF REPORT**: 20230214

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

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PIF Residential Funding III Depositor LLC
- **CENTRAL INDEX KEY:** 0001965358
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06426
- **FILM NUMBER:** 23631103

**BUSINESS ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
- **BUSINESS PHONE:** 949 720-6000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PIF Residential Funding III Depositor LLC
- **CENTRAL INDEX KEY:** 0001965358
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660
- **BUSINESS PHONE:** 949 720-6000

**MAIL ADDRESS:**
- **STREET 1:** 650 NEWPORT CENTER DRIVE
- **CITY:** NEWPORT BEACH
- **STATE:** CA
- **ZIP:** 92660

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington,** **D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER REPORT PURSUANT TO SECTION 15G OF THE SECURITIES EXCHANGE ACT OF 1934**

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

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

____________________________ to ____________________________

Date of Report (Date of earliest event reported) ____________________________

Commission File Number of securitizer: ____________________________

Central Index Key Number of securitizer: ____________________________

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

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

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

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

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

Central Index Key Number of depositor: 0001965358 (PIF Residential Funding III Depositor LLC)

BRAVO Residential Funding Trust 2023-NQM2

(Exact name of issuing entity as specified in its charter)

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

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

Michael Chiao, Authorized Person, 949-720-6974

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

**INFORMATION TO BE INCLUDED IN THE REPORT:**

---

| | |
|:---|:---|
| **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 an Exhibit to this Form ABS-15G. Please see Item 3, Exhibits 99.1, 99.2, 99.3, 99.4, 99.5, 99.6, 99.7, 99.8 and 99.9 for the related information.

Item 3. Exhibits

99.1 Disclosures required by Rule 15Ga-2 for Canopy Financial Technology Partners, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data

Schedule 3— DSCR Calculation Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR Originator QM Report

Schedule 8— Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Loan Level Tape Compare

Schedule 6— Standard Upload

Schedule 7— Non ATR QM Upload

Schedule 8— Rating Agency ATR QM Data Field

Schedule 9— Waived Conditions

Schedule 10— Valuations Summary

99.3 Disclosures required by Rule 15Ga-2 for Digital Risk, LLC

Schedule 1— Narrative

Schedule 2— Data Integrity Report

Schedule 3— Valuation Report

Schedule 4— Rating Agency Report – Loan Summary

Schedule 5— Rating Agency Report – Exception Report

Schedule 6— Exception Report – Loan Summary

Schedule 7— Exception Report – Exception Report

99.4 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1— Narrative

Schedule 2— Securitization Report Suite – Rating Agency Grades

Schedule 3— Securitization Report Suite – Exception Detail

Schedule 4— Securitization Report Suite – Valuation Report

Schedule 5— Securitization Report Suite – Data Compare Report

Schedule 6— Securitization Report Suite – QM ATR Data

Schedule 7— Securitization Report Suite – Business Purpose

99.5 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

Schedule 1— Narrative

Schedule 2— Securitization Reports – Loan Level Exceptions

Schedule 3— Securitization Reports – Exception Grades

Schedule 4— Securitization Reports – Valuation Summary

99.6 Disclosures required by Rule 15Ga-2 for Infinity IPS, Inc.

Schedule 1— Narrative

Schedule 2— Individual Exception Report

Schedule 3— Loan Level Exception Report

Schedule 4— Rating Agency Grade Report

Schedule 5— Valuation Report

Schedule 6— Data Compare Report

Schedule 7— Supplemental Data Report

99.7 Disclosures required by Rule 15Ga-2 for Inglet Blair, LLC

Schedule 1— Narrative

Schedule 2— Loan Summary Report

Schedule 3— Exception Report

Schedule 4— Final Grading Summary Report

Schedule 5— QM Summary Report

Schedule 6— Supplemental Data Report

Schedule 7— Client Supplemental Data Report

Schedule 8— Data Comparison Report

Schedule 9— Valuation Report

99.8 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Loan Level Exception Report

Schedule 4— Supplemental Report

Schedule 5— Grading Summary Report

Schedule 6— Valuations Summary Report

Schedule 7— Data Compare Report

99.9 Disclosures required by Rule 15Ga-2 for Recovco Mortgage Management, LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grade Report

Schedule 3— Loan Level Exception Report

Schedule 4— Exception Level Report

Schedule 5— Valuation Report

Schedule 6— Data Comparison Report

Schedule 7— Supplemental Data Report

Schedule 8— QM ATR Report

Schedule 9— Business Purpose 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.

Dated: February 14, 2023

---

| |
|:---|
| &nbsp;&nbsp;**PIF Residential Funding III Depositor LLC** |
| &nbsp;&nbsp; (Securitizer) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> By: <u>/s/ Jason Steiner</u>  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Name: Jason Steiner |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title: Authorized Person |

---

**EXHIBIT INDEX**

**Exhibit Number**

99.1 Disclosures required by Rule 15Ga-2 for Canopy Financial Technology Partners, LLC

Schedule 1— Narrative

Schedule 2— Supplemental Data

Schedule 3— DSCR Calculation Report

Schedule 4— Rating Agency Grades Detail Report

Schedule 5— Rating Agency Grades Summary Report

Schedule 6— Valuation Report

Schedule 7— ATR Originator QM Report

Schedule 8— Data Compare Report

99.2 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

Schedule 1— Narrative

Schedule 2— Conditions Report — Conditions Summary

Schedule 3— Conditions Report — Conditions Detail

Schedule 4— Conditions Report — Loan Grades

Schedule 5— Loan Level Tape Compare

Schedule 6— Standard Upload

Schedule 7— Non ATR QM Upload

Schedule 8— Rating Agency ATR QM Data Field

Schedule 9— Waived Conditions

Schedule 10— Valuations Summary

99.3 Disclosures required by Rule 15Ga-2 for Digital Risk, LLC

Schedule 1— Narrative

Schedule 2— Data Integrity Report

Schedule 3— Valuation Report

Schedule 4— Rating Agency Report – Loan Summary

Schedule 5— Rating Agency Report – Exception Report

Schedule 6— Exception Report – Loan Summary

Schedule 7— Exception Report – Exception Report

99.4 Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

Schedule 1— Narrative

Schedule 2— Securitization Report Suite – Rating Agency Grades

Schedule 3— Securitization Report Suite – Exception Detail

Schedule 4— Securitization Report Suite – Valuation Report

Schedule 5— Securitization Report Suite – Data Compare Report

Schedule 6— Securitization Report Suite – QM ATR Data

Schedule 7— Securitization Report Suite – Business Purpose

99.5 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

Schedule 1— Narrative

Schedule 2— Securitization Reports – Loan Level Exceptions

Schedule 3— Securitization Reports – Exception Grades

Schedule 4— Securitization Reports – Valuation Summary

99.6 Disclosures required by Rule 15Ga-2 for Infinity IPS, Inc.

Schedule 1— Narrative

Schedule 2— Individual Exception Report

Schedule 3— Loan Level Exception Report

Schedule 4— Rating Agency Grade Report

Schedule 5— Valuation Report

Schedule 6— Data Compare Report

Schedule 7— Supplemental Data Report

99.7 Disclosures required by Rule 15Ga-2 for Inglet Blair, LLC

Schedule 1— Narrative

Schedule 2— Loan Summary Report

Schedule 3— Exception Report

Schedule 4— Final Grading Summary Report

Schedule 5— QM Summary Report

Schedule 6— Supplemental Data Report

Schedule 7— Client Supplemental Data Report

Schedule 8— Data Comparison Report

Schedule 9— Valuation Report

99.8 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

Schedule 1— Narrative

Schedule 2— Due Diligence Standard Report

Schedule 3— Loan Level Exception Report

Schedule 4— Supplemental Report

Schedule 5— Grading Summary Report

Schedule 6— Valuations Summary Report

Schedule 7— Data Compare Report

99.9 Disclosures required by Rule 15Ga-2 for Recovco Mortgage Management, LLC

Schedule 1— Narrative

Schedule 2— Rating Agency Grade Report

Schedule 3— Loan Level Exception Report

Schedule 4— Exception Level Report

Schedule 5— Valuation Report

Schedule 6— Data Comparison Report

Schedule 7— Supplemental Data Report

Schedule 8— QM ATR Report

Schedule 9— Business Purpose Report

## Exhibit 99.1

![](n3137_x3img011.jpg)

---

| |
|:---|
| **NARRATIVE** |
| **BRAVO 2023-NQM2** |
| **By Canopy Financial Technology Partners LLC on February 1, 2023** |

---

---

| | | |
|:---|:---|:---|
| Canopy Financial Technology Partners LLC | Canopy Financial Technology Partners LLC | Canopy Financial Technology Partners LLC |
| &nbsp;&nbsp;<u>info@canopytpr.com</u> | &nbsp;&nbsp;720-371-8517 | &nbsp;&nbsp;<u>www.canopytpr.com</u> |
| Address: 83 Halls Road, STE 203, Old Lyme, CT 06371 | Address: 83 Halls Road, STE 203, Old Lyme, CT 06371 | Address: 83 Halls Road, STE 203, Old Lyme, CT 06371 |

---

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

**D** **escription of Services**<br>

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 Loan Funding Structure III LLC (the "Client") or its affiliated company. The Review was conducted from August 2021 to May 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of Two Hundred Thirty-Two (232) Loans with an aggregate principal balance of $90,929,020.

**Loan Sampling**

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

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

**Data Integrity**

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

---

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

---

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

![](n3137_x3img011.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Index | &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 Amount/Draw Amount | &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 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 BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

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

![](n3137_x3img011.jpg)

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

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

![](n3137_x3img011.jpg)

● Financial statements;

● Award letters;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

o Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

o Mortgage lender/originator

o Loan officer

● Occupancy:

o Borrower address history

o 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;

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

![](n3137_x3img011.jpg)

● 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.

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

![](n3137_x3img011.jpg)

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

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

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

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

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

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

![](n3137_x3img011.jpg)

(ii) the **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;

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

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

---

| | | | |
|:---|:---|:---|:---|
| **I.** | **Compliance Documentation Requirements** | **Compliance Documentation Requirements** | **Compliance Documentation Requirements** |
|  | a. | Review of the following documents as they related to regulatory compliance: | Review of the following documents as they related to regulatory compliance: |
|  |  | i. | Initial and final application (1003) |
|  |  | ii. | Note, including all addendums |
|  |  | iii. | Copy of note for any junior liens (if applicable) |
|  |  | iv. | Mortgage / Deed of Trust, including all riders |
|  |  | v. | Initial, Interim, and Final Loan Estimates ("LE") |
|  |  | 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) |
|  |  | vii. | Notice of Right to Cancel (as applicable) |
|  |  | viii. | Rate Lock Date Information; |
|  |  | ix. | HOEPA Disclosures (if applicable) |
|  |  | x. | Initial Escrow Account Disclosure |

---

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

---

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| | | | | |
|:---|:---|:---|:---|:---|
| **III.** | **Compliance Testing Elements** | **Compliance Testing Elements** | **Compliance Testing Elements** | **Compliance Testing Elements** |
|  |  | 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: | **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: |
|  |  |  | 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 |

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| | | |
|:---|:---|:---|
|  |  | 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 3.0" v.12/05/2019); |
|  | 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; |
|  | iii. | **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below. |
| 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). | **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). |
| 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). | **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). |
| 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. | **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. |
| e. | **Miscellaneous Compliance Testing:** | **Miscellaneous Compliance Testing:** |
|  | i. | Mandatory Arbitration – Canopy will report mandatory arbitration provisions present in the Loan File. |
|  | ii, | Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or debt cancellation agreements present in the Loan File. |

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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.

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local antipredatory 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.

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● 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; 24-1.1(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.

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**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

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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.

**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.** 

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**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**A** **gency Eligible** | &nbsp;&nbsp;**A** **gency Eligible** | &nbsp;&nbsp;**A** **gency Eligible** | &nbsp;&nbsp;**A** **gency Eligible** |
| &nbsp;&nbsp;**# of Files – CU Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

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● Chart is N/A as all Loan Files were Non-Agency

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| | | | |
|:---|:---|:---|:---|
| **N** **on-Agency Eligible** | **N** **on-Agency Eligible** | **N** **on-Agency Eligible** | **N** **on-Agency Eligible** |
| &nbsp;&nbsp;<br> **V** **aluation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

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**●** Of the 234 Non-Agency Eligible loans reviewed:

● 124 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● 27 Loan Files were noted with an AVM that also supported the original appraised value within a 10% variance.

● 5 Loans Files were noted with a Second Full Appraisal also supporting the original appraised value within a 10% variance.

● 1 Loan File was noted with a BPO also supporting the original appraised value within a 10% variance.

● 134 Loan Files were noted with an AVM supporting the original appraised value within a 10% variance.

● 27 Loans Files were noted with a Desk Review also supporting the original appraised value within a 10% variance.

● 2 Loan Files was noted with a Second Full Appraisal also supporting the original appraised value within a 10% variance.

● 7 Loan Files were noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

● 5 Loans Files were noted with a Desk Review also supporting the original appraised value within a 10% variance.

● 2 Loan Files were noted with an AVM also supporting the original appraised value within a 10% variance.

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| | | |
|:---|:---|:---|
| ● | 2 Loan file were noted with a BPO also supporting the original appraised value within a 10% variance. | 2 Loan file were noted with a BPO also supporting the original appraised value within a 10% variance. |
|  | ● | 1 Loans Files were noted with a Desk Review also supporting the original appraised value within a 10% variance. |

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**<br>

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**<br>

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| | |
|:---|:---|
| &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;D Loan is missing documentation to perform a sufficient review. |

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&nbsp;&nbsp;**Credit Event Grades**<br>

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

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&nbsp;&nbsp;**Compliance Event Grades**<br>

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

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&nbsp;&nbsp;**Valuation Event Grade**<br>

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

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**FINDINGS SUMMARY**

&nbsp;&nbsp;**Summary Overview**<br>

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 5.17% or Twelve (12) mortgage loans have an overall grade of "B" and 94.83% or Two Hundred Twenty (220) mortgage loans have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 2.59% or Six (6) mortgage loans reviewed, and 97.41% or Two Hundred Twenty-Six (226) mortgage loans have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 2.59%, or Six (6) mortgage loans reviewed, and 97.41% or Two Hundred Twenty-Six (226) mortgage loans have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% or Two Hundred Thirty-Two (232) mortgage loans have a Property/Valuation grade of "A".

**FINDINGS TABLE**

&nbsp;&nbsp;**REVIEW TABLES**<br>

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;220 | &nbsp;&nbsp;94.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.17% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**G** **rand Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**C** **REDIT REVIEW RESULTS** | &nbsp;&nbsp;**C** **REDIT REVIEW RESULTS** | &nbsp;&nbsp;**C** **REDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;226 | &nbsp;&nbsp;97.41% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.59% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**G** **rand Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROP** **ERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROP** **ERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROP** **ERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;232 | &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;**G** **rand Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**C** **OMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**C** **OMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**C** **OMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;226 | &nbsp;&nbsp;97.41% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.59% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**G** **rand Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

&nbsp;&nbsp;**Additional Loan Summary Details**<br>

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**A** **mortization Type** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**O** **riginal Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;229 | &nbsp;&nbsp;98.71% | &nbsp;&nbsp;$88912020.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$2017000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$90929020.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**O** **riginal Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;232 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$90929020.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$90929020.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**L** **oan Purpose** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**O** **riginal Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation— Proceeds used to pay off existing loans<br> other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$637500.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |

---

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

![](n3137_x3img011.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Cash Out: Other/Multi- Purpose/Unknown Purpose | &nbsp;&nbsp;67 | &nbsp;&nbsp;28.88% | &nbsp;&nbsp;$33031550.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.21% | &nbsp;&nbsp;$8911220.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;118 | &nbsp;&nbsp;50.86% | &nbsp;&nbsp;$41324600.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;20 | &nbsp;&nbsp;8.62% | &nbsp;&nbsp;$7024150.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$90929020.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**O** **riginal Term** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**O** **riginal Balance** |
| &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;231 | &nbsp;&nbsp;99.57% | &nbsp;&nbsp;$90177020.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$752000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$90929020.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occ** **upancy** | &nbsp;&nbsp;**L** **oan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**O** **riginal Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;108 | &nbsp;&nbsp;46.55% | &nbsp;&nbsp;$50468870.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$838500.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;121 | &nbsp;&nbsp;52.16% | &nbsp;&nbsp;$39621650.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$90929020.00** |

---

**DATA COMPARISON RESULTS**

Of the Two Hundred Thirty-Two (232) mortgage Loan Files reviewed, Thirty-Seven (37) unique loans (15.95% by number) had Forty-Two (42) tape comparison discrepancies across Forty (40) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;<br> **Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |

---

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

![](n3137_x3img011.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;232 | &nbsp;&nbsp;2.59% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;232 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;232 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;232 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;232 | &nbsp;&nbsp;3.45% |

---

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

![](n3137_x3img011.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;232 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;2 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;0.00% |

---

**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 credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.*

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

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

## Exhibit 99.1

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Originator DSCR** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 500_362 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.250% | Yes | Yes | Not Employed | Not Employed | Not Employed |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.20 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_65 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7340 | $2522.35 | XXX | 4.703% | XXX | 4.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 34.54% | 34.54% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Wage - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7340 |  | 3.050% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_79 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.85 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_91 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.250% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.09 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_89 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.25 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_95 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.22 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_71 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6544 | $7763.83 | XXX | 4.081% | XXX | 3.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 48.71% | 48.71% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 6544 |  | 3.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_66 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 5.41 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_81 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6545 | $8039.69 | XXX | 6.240% | XXX | 5.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 34.81% | 34.81% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - CPA Letter Verified, 12 Business Bank Statements Verified - 1 | Borrower - 1 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6545 |  | 3.010% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_108 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5695 | $3450.61 | XXX | 5.313% | XXX | 5.125% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 44.30% | 44.30% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 100.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5695 |  | 3.070% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_127 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.79 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_104 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 3.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.96 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_67 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 39295 | $43387.00 | XXX | 4.524% | XXX | 4.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 43.91% | 43.91% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 39295 |  | 3.050% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_13 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.749% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 1.89% | 1.89% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | Yes | 30 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_110 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.624% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 19.49% | 19.49% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 12 Business Bank Statements Verified - 1 | Borrower - 1 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | Yes | 65 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_76 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.80 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_111 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 3.95 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_122 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.000% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 3 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.40 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_130 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other - CPA Letter Verified | Borrower | Debt Service Coverage Ratio | 13 | XXX | XXX | 1 |  | XXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.88 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_77 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.96 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_158 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.07 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_92 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_119 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.22 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_86 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.95 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_125 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed | Not Employed |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.76 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_75 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.06 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_93 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.23 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_136 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.250% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.21 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_165 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9545 | $21817.50 | XXX | 5.709% | XXX | 5.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 41.18% | 41.18% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp \|\| Co Borrower - SESCorp - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9545 |  | 2.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | NA | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_99 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.375% | Yes | Yes | Not Employed | Not Employed | Not Employed |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 4 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 2.63 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_107 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 4 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.30 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_124 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.33 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_72 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.250% | No | No | Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 50.48% | 50.48% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Award Letter Verified \|\| Co Borrower | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | #N/A |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_106 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 34.53% | 34.53% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Business | 100.00% | 50.00% |  |  | Borrower - SESCorp, Retirement - CPA Letter Verified, 1 YR W2 1099 Verified, Award Letter Verified, 1 Month Business Bank Statements Verified \|\| Co Borrower - SESCorp, Retirement - CPA Letter Verified, 1 YR W2 1099 Verified, Award Letter Verified, 1 Month Business Bank Statements Verified | Borrower \|\| Co Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 3 |  | N/A |  | #N/A |  | N/A | No | Yes | 2 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_114 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $0.00 |  |  | XXX | 3.500% | No | No | Employed | Retired |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 35.44% | 35.44% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Retirement - Award Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower - Retirement - Award Letter Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_85 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.12 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_152 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.15 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_153 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.98 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_160 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.499% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.08 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_163 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.92 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_167 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.000% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 2.04 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_155 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6295 | $7633.58 | XXX | 4.506% | XXX | 4.375% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 41.97% | 41.97% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 25.00% |  |  | Borrower - 12 Business Bank Statements Verified - 1 \|\| Co Borrower | Borrower - 1 \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6295 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_129 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8926 | $10746.04 | XXX | 5.187% | XXX | 4.875% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 40.27% | 40.27% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8926 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | #N/A |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_126 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3243 | $3572.80 | XXX | 7.545% | XXX | 7.374% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 35.69% | 35.69% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, null Personal Bank Statements Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3243 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | Yes |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_102 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.874% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 46.77% | 46.77% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 12 Business Bank Statements Verified - 1 | Borrower - 1 | 12 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_468 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 18718.25 | $20503.94 | XXX | 3.986% | XXX | 3.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 19.13% | 19.13% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESCorp - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 18718.25 |  | 3.240% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_469 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5471.25 | $32027.48 | XXX | 6.422% | XXX | 6.250% | No | No | Not Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 13.20% | 13.20% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  | Borrower Prepared | Borrower - SESCorp \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified | Borrower \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 0 | 0 |  |  |  | Appendix Q Documentation | 5471.25 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 16 | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_115 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12175 | $13890.61 | XXX | 6.174% | XXX | 6.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 41.79% | 41.79% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 50.00% |  |  | Borrower - SESoleProprietor, SEPartnership - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor, SEPartnership - 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 12175 |  | 0.000% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_472 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.30 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_19 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4945 | $5647.08 | XXX | 3.878% | XXX | 3.750% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 49.01% | 49.01% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 4945 |  | 2.850% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_195 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14945 | $2677.68 | XXX | 4.657% | XXX | 4.625% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 43.46% | 43.46% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, Written VOE Verified, 12 Personal Bank Statements Verified \|\| Co Borrower - CPA Letter Verified, Written VOE Verified, 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 14945 |  | 2.850% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | #N/A |  | N/A | No | Yes |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_105 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8470 | $9471.03 | XXX | 3.439% | XXX | 3.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 18.22% | 18.22% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8470 |  | 3.010% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_145 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14495 | $14764.81 | XXX | 5.022% | XXX | 4.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 43.87% | 43.87% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 14495 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | #N/A |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_148 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 15295 | $17161.58 | XXX | 4.894% | XXX | 4.875% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 30.76% | 30.76% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Written VOE Verified, 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 15295 |  | 2.950% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | #N/A |  | N/A | No | NA |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_178 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.25 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_94 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.13 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_101 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.31 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_57 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11585 | $13208.83 | XXX | 5.476% | XXX | 5.125% | No | No | Not Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 43.78% | 43.78% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor \|\| Co Borrower - SESoleProprietor - 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 11585 |  | 2.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_62 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 2395 | $0.00 | XXX | 7.455% | XXX | 7.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 40.54% | 40.54% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, null Personal Bank Statements Verified, 12 Business Bank Statements Verified - 1 | Borrower - 1 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  |  |  | Appendix Q Documentation | 2395 |  | 2.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_84 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 18725 | $19444.43 | XXX | 4.666% | XXX | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 38.15% | 38.15% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified, 1040 Schedule E Verified | Borrower - 1040 Schedule E Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 18725 |  | 3.070% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_87 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6448.13 | $7167.96 | XXX | 4.918% | XXX | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 21.97% | 21.97% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6448.13 |  | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | Yes | 32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_138 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8445 | $9473.82 | XXX | 5.456% | XXX | 5.375% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 42.93% | 42.93% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 50.00% |  |  | Borrower - 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8445 |  | 3.030% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_174 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8410 | $8985.53 | XXX | 4.301% | XXX | 4.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 43.22% | 43.22% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 8410 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_197 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7750 | $1919.12 | XXX | 5.324% | XXX | 5.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  | XXX |  |  |  | 8.20% | 8.20% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7750 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_61 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9695 | $1978.61 | XXX | 5.407% | XXX | 5.375% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 2 | XXX | XXX |  |  | XXX |  |  |  | 48.08% | 48.08% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 9695 |  | 2.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_146 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.000% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.17 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_169 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.01 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_154 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9920 | $12589.69 | XXX | 7.208% | XXX | 6.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 8.95% | 8.95% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9920 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 48 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_116 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.000% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.58 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_182 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9170 | $4574.13 | XXX | 4.995% | XXX | 4.874% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  | XXX |  |  |  | 47.85% | 47.85% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 100.00% |  |  | Borrower - Wage, Primary Residence Rent Income - 1 Month Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 9170 |  | 2.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_55 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14795 | $3940.90 | XXX | 5.017% | XXX | 4.999% | No | No | Not Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 42.70% | 42.70% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower \|\| Co Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 14795 |  | 3.240% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A |  | 0.00 |  | N/A | No | NA | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_78 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6653 | $6856.25 | XXX | 5.143% | XXX | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 4.42% | 4.42% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6653 |  | 3.010% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 15 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_179 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3475 | $5583.32 | XXX | 4.052% | XXX | 3.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 34.74% | 34.74% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3475 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_14 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 2895 | $3464.44 | XXX | 4.561% | XXX | 4.375% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 38.57% | 38.57% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 2895 |  | 2.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_188 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.98 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_100 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6535 | $7505.24 | XXX | 4.323% | XXX | 4.250% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 31.70% | 31.70% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower \|\| Co Borrower | 3 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6535 |  | 2.980% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 36 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_11 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 2595 | $3259.58 | XXX | 5.478% | XXX | 5.250% | No | No | Retired | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 46.35% | 46.35% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 100.00% |  |  | Borrower - SSI and Disability, Wage - Award Letter Verified \|\| Co Borrower - SSI and Disability, Wage - 2+ Months Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |  |  |  | Appendix Q Documentation | 2595 |  | 3.010% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_150 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.69 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_194 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.000% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.25 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_22 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 5.111%% | XXX | 4.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.10 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_211 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.96 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_216 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 5.910%% | XXX | 5.625% | Yes | Yes | Not Employed | Not Employed | Not Employed |  | .00 |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | 1 - Not Stated Not Verified |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.88 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_233 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12725 | $15029.94 | XXX | 4.631% | XXX | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 35.37% | 35.37% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 12725 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 72 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_253 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6895 | $8532.59 | XXX | 5.239% | XXX | 5.125% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 39.39% | 39.39% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6895 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_203 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6275.5 | $6542.41 | XXX | 5.141% | XXX | 4.750% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 47.80% | 47.80% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 6275.5 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_240 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3635 | $4200.56 | XXX | 4.433% | XXX | 4.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 41.69% | 41.69% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3635 |  | 2.850% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_215 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6920 | $8176.01 | XXX | 4.686% | XXX | 4.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 36.73% | 36.73% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6920 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_264 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7606.25 | $8205.20 | XXX | 4.914% | XXX | 4.875% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 31.01% | 31.01% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified \|\| Co Borrower - Wage - Written VOE Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7606.25 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_60 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4974.2 | $6071.58 | XXX | 5.273% | XXX | 5.125% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 40.41% | 40.41% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4974.2 |  | 2.990% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_80 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9045 | $10497.78 | XXX | 5.831% | XXX | 5.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 3 | XXX | XXX |  |  | XXX |  |  |  | 28.92% | 28.92% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9045 |  | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 72 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_190 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 20545 | $25038.94 | XXX | 8.387% | XXX | 7.999% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 46.43% | 46.43% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower - 2 YRS Personal Tax Returns Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 20545 |  | 2.850% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_222 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6357.5 | $9052.81 | XXX | 6.344% | XXX | 6.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 28.03% | 28.03% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6357.5 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_238 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8720 | $11600.63 | XXX | 3.721% | XXX | 3.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 33.72% | 33.72% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8720 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_97 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7310 | $27702.34 | XXX | 4.521%% | XXX | 4.125% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 48.54% | 48.54% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 7310 |  | 2.980% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_292 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12335 | $15406.06 | XXX | 4.693% | XXX | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 19.78% | 19.78% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 12335 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_26 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 2730 | $3281.82 | XXX | 6.724% | XXX | 6.500% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 43.67% | 43.67% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified | Borrower - 2 YRS Personal Tax Returns Verified | Full Doc | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 2730 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_140 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 5.179%% | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.73 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_259 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.698%% | XXX | 4.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.14 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_272 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.581%% | XXX | 4.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.80 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_20 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.695%% | XXX | 4.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.19 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_189 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 6.923%% | XXX | 6.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.29 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_198 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.496%% | XXX | 4.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.03 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_24 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 6.428%% | XXX | 6.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.58 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_227 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.849%% | XXX | 4.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.77 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_246 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 5.568%% | XXX | 5.250% | Yes | Yes | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.08 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_177 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.227%% | XXX | 3.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.34 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_267 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.674%% | XXX | 4.499% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.37 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_229 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 13125 | $15819.75 | XXX | 5.185% | XXX | 5.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 49.43% | 49.43% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower - 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 13125 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_225 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10893.95 | $14963.70 | XXX | 5.030% | XXX | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 38.26% | 38.26% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10893.95 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_220 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 5.091%% | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.24 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_247 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.977%% | XXX | 4.625% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.13 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_258 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.899%% | XXX | 4.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 416 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.18 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_284 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 5.495%% | XXX | 5.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.89 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_249 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 5.178%% | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.19 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_281 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.758%% | XXX | 4.374% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 2.86 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_23 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7195 | $9137.78 | XXX | 5.137% | XXX | 4.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 31.37% | 31.37% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7195 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_171 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.020%% | XXX | 3.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 118 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.01 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_244 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 4.942%% | XXX | 4.625% | Yes | Yes | Not Employed |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_209 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10180 | $38277.26 | XXX | 4.101% | XXX | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 28.60% | 28.60% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10180 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_274 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14585 | $16485.41 | XXX | 4.745% | XXX | 4.499% | No |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Not Stated Not Verified |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 14585 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_305 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4599 | $6799.82 | XXX | 5.241% | XXX | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 34.67% | 34.67% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4599 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 60 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_288 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12020 | $14515.00 | XXX | 5.195% | XXX | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 29.76% | 29.76% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 12020 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_207 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 2.23 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_232 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other - 1 YR IRS Transcripts Verified, null Personal Bank Statements Verified | Borrower - 1 YR IRS Transcripts Verified | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.31 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_236 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other - Balance Sheet Verified, 1 Month Personal Bank Statements Verified | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.73 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_237 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.85 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_241 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.875% | Yes | Yes | Not Employed |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.21 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_210 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 13756 | $14842.83 | XXX | 4.160% | XXX | 3.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 23.12% | 23.12% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 13756 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_245 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3395 | $6528.48 | XXX | 6.309% | XXX | 5.874% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 40.14% | 40.14% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 1.00% |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3395 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_121 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.22 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_123 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.10 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_287 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 136 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.14 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_304 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.22 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_333 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.03 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_279 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.05 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_262 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9795 | $2868.55 | XXX | 4.908% | XXX | 4.874% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 19.74% | 19.74% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9795 |  | 0.000% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 192 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_278 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4155 | $5229.06 | XXX | 5.990% | XXX | 5.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 29.10% | 29.10% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4155 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_269 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5265 | $5261.33 | XXX | 4.009% | XXX | 3.750% | No | No | Self-Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 48.16% | 48.16% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 5265 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_299 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 48 | XXX | XXX | XXX |  | XXX |  |  |  | 7.97% | 7.97% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement | 13 | XXX | XXX | 1 |  | XXX |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_322 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4685 | $13250.02 | XXX | 5.192% | XXX | 4.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 20.26% | 20.26% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4685 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_221 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4295 | $4788.75 | XXX | 4.260% | XXX | 4.125% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 33.57% | 33.57% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4295 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_103 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 13970 | $14597.57 | XXX | 6.841% | XXX | 6.500% | No | No | Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 36.76% | 36.76% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 13970 |  | 3.010% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_181 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 25340 | $40303.94 | XXX | 6.463% | XXX | 6.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 17.06% | 17.06% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 75.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 25340 |  | 2.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 48 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_208 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5420 | $6253.54 | XXX | 4.995% | XXX | 4.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 30.78% | 30.78% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5420 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 |  | N/A |  | 0.00 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_28 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 12555 | $13408.00 | XXX | 4.074% | XXX | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 7.84% | 7.84% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 12555 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_270 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.250% | Yes |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.35 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_337 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | 759 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.30 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_27 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6295 | $6749.17 | XXX | 3.861% | XXX | 3.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 49.72% | 49.72% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 6295 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_310 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9150 | $0.00 | XXX | 7.902% | XXX | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 31.50% | 31.50% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9150 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 96 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_338 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7839 | $7933.72 | XXX | 4.271% | XXX | 3.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 43.10% | 43.10% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - 12 Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 12 Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 7839 |  | 3.060% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_321 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.84 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_343 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.11 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_199 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 10334.25 | $11509.09 | XXX | 4.679% | XXX | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 14.23% | 14.23% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 10334.25 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_312 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.76 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_326 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.750% | Yes | Yes | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.91 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_352 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.34 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_471 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.96 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_234 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.10 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_280 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | $0.00 | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.69 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_300 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | $0.00 | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.25 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_371 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.85 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_309 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.16 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_475 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11985 | $14171.16 | XXX | 4.146% | XXX | 3.875% | No |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Not Stated Not Verified |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11985 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_342 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3420 | $4370.66 | XXX | 3.545% | XXX | 3.375% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 11.55% | 11.55% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 25.00% |  |  | Borrower - 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 3420 |  | 3.060% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_345 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6063.75 | $7626.56 | XXX | 3.780% | XXX | 3.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 43.12% | 43.12% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 6063.75 |  | 3.060% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 2 | Yes | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_357 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4545 | $5988.07 | XXX | 4.670% | XXX | 4.499% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 30.23% | 30.23% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4545 |  | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_21 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.10 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_276 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.375% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.59 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_365 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.35 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_223 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.125% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.84 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_344 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 3.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 3 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.20 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_164 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.14 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_273 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6991.25 | $0.00 | XXX | 6.414% | XXX | 6.000% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 2 | XXX | XXX |  |  |  |  |  |  | 47.46% | 47.46% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6991.25 |  | 2.920% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_324 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 7.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.16 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_180 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.000% | Yes | Yes | Not Employed |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Borrower \|\| Co Borrower \|\| Co Borrower 2 | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.87 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_347 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.38 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_260 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9607.5 | $11213.83 | XXX | 4.552% | XXX | 4.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 26.79% | 26.79% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 3 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 3 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9607.5 |  | 2.920% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_364 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 3.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.21 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_368 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other - 1 Month Personal Bank Statements Verified | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.91 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_235 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 5.500% | Yes | Yes | Retired | Retired |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 44.25% | 44.25% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% | 0.00% |  | Borrower - SSI and Disability - Award Letter Verified, Lease Agreements Verified - 2020 \|\| Co Borrower - SSI and Disability - Award Letter Verified, Lease Agreements Verified - 2020 | Borrower - 2020 \|\| Co Borrower - 2020 | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_355 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 3.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.41 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_307 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9970 | $11505.44 | XXX | 3.516% | XXX | 3.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 33.20% | 33.20% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9970 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_318 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4706.25 | $5892.28 | XXX | 6.566% | XXX | 6.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 13.88% | 13.88% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4706.25 |  | 2.930% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_336 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5750 | $7143.89 | XXX | 3.683% | XXX | 3.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 25.31% | 25.31% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 12 Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5750 |  | 3.060% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_373 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $8129.31 | XXX | 4.997% | XXX | 4.750% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 39.78% | 39.78% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 100.00% |  | Borrower Prepared | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 1 Month Personal Bank Statements Verified, 1 Month Business Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5828.75 |  | 3.200% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 2 | 0 | 0 |  |  | 10 | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_346 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7225.33 | $7625.73 | XXX | 4.090% | XXX | 4.000% | No | No | Not Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Not Stated Not Verified |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7225.33 |  | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_351 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8540 | $20073.84 | XXX | 4.072% | XXX | 3.875% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 16.80% | 16.80% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8540 |  | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_360 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.79 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_370 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.03 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_361 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5540 | $6799.59 | XXX | 5.304% | XXX | 5.250% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 36.53% | 36.53% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5540 |  | 3.100% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_320 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7500 | $8688.54 | XXX | 5.021% | XXX | 4.875% | No | No | Self-Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 20.50% | 20.50% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7500 |  | 3.040% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_275 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11393.5 | $12895.12 | XXX | 4.970% | XXX | 4.625% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 42.61% | 42.61% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11393.5 |  | 2.910% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 1 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_478 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 2475 | $4926.77 | XXX | 5.585% | XXX | 5.500% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 41.03% | 41.03% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified, Lease Agreements Verified - 2021 | Borrower - 2021 | 12 Month Bank Statement | 7 | XXX | XXX | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 2475 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_35 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4032.5 | $4999.69 | XXX | 5.154% | XXX | 5.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 49.87% | 49.87% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 50.00% |  |  | Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower - CPA Letter Verified, 12 Personal Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 4032.5 |  | 3.280% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_38 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 3855 | $5102.22 | XXX | 4.527% | XXX | 4.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 50.49% | 50.49% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 3855 |  | 3.510% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_41 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4095 | $5050.00 | XXX | 4.759% | XXX | 4.500% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 34.53% | 34.53% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 100.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 5 | 4 | 6 |  |  |  | Appendix Q Documentation | 4095 |  | 3.610% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_380 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4545 | $4982.50 | XXX | 6.596% | XXX | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 49.46% | 49.46% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 4545 |  | 3.160% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_393 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8015 | $8935.50 | XXX | 5.356% | XXX | 5.125% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 34.54% | 34.54% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8015 |  | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_413 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9620 | $10905.37 | XXX | 4.411% | XXX | 4.250% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 39.28% | 39.28% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 1.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 9620 |  | 3.510% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_412 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 16255 | $20003.11 | XXX | 5.060% | XXX | 4.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 50.47% | 50.47% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 16255 |  | 3.510% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_397 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 9855 | $14042.61 | XXX | 6.734% | XXX | 6.625% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 46.53% | 46.53% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, Written VOE Verified | Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 9855 |  | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_418 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11687 | $16182.13 | XXX | 5.666% | XXX | 5.625% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 29.86% | 29.86% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 80.00% |  |  | Borrower - SESCorp - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 11687 |  | 3.510% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_428 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 7220 | $8260.78 | XXX | 5.756% | XXX | 5.500% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 30.81% | 30.81% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower - 1 YR IRS Transcripts Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 7220 |  | 3.610% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 0 | 1 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_439 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 6.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.95 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_434 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 4255 | $6584.67 | XXX | 4.938% | XXX | 4.750% | No |  | Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 39.98% | 39.98% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - Written VOE Verified | Borrower | Written Verification of Employment |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4255 |  | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_407 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 21294 | $23191.06 | XXX | 5.710% | XXX | 5.500% | No | No | Self-Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 18.62% | 18.62% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 21294 |  | 3.510% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_425 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No |  | $6558.22 | XXX | 5.840% | XXX | 5.625% | Yes | Yes | Self-Employed | Not Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 15.17% | 15.17% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - CPA Letter Verified, 12 Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6216.88 |  | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_487 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $16706.25 | XXX | Corr% | XXX | 4.500% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, 12 Business Bank Statements Verified - 2021 | Borrower - 2 YRS Executed 4506T Verified - 2021 | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_489 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.72 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_491 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 3.875% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.04 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_486 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $8073.02 | XXX |  | XXX | 4.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.97 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_490 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  |  | XXX | 4.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other - null Personal Bank Statements Verified | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.62 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_488 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 27600 | $29389.69 | XXX | 3.935% | XXX | 3.750% | No | No | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 9.61% | 9.61% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR Executed 4506T Verified, 12 Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 27600 |  | 3.170% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_454 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.060% | XXX | 5.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.38 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_440 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 14590 | $16275.56 | XXX | 4.912% | XXX | 4.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 5.79% | 5.79% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 14590 |  | 3.610% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_453 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 11332.5 | $12609.04 | XXX | 5.798% | XXX | 5.499% | No | No | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 45.98% | 45.98% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 50.00% |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 11332.5 |  | 3.960% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_375 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.066% | XXX | 6.500% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.85 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_480 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8990 | $11744.88 | XXX | 5.990% | XXX | 5.750% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 34.10% | 34.10% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 100.00% |  | Audited | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8990 |  | 3.990% |  |  |  | No |  |  | No |  | 0 | 0 | 2 | 2 | 0 | 0 |  |  | 12 | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_445 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $11014.76 |  | 0.073% | XXX | 6.875% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 23.34% | 23.34% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SECorporation - Business Bank Statements Verified, Lease Agreements Verified \|\| Co Borrower - SECorporation - Business Bank Statements Verified, Lease Agreements Verified | Borrower \|\| Co Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_450 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.065% | XXX | 6.125% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.07 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_463 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.065% | XXX | 6.250% | Yes |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 2.45% | 2.45% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  | 1 |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_459 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.073% | XXX | 6.999% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_456 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.068% | XXX | 6.374% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.94 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_464 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.064% | XXX | 6.250% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.01 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_461 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 5326.25 | $5826.82 | XXX | 7.743% | XXX | 7.375% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 37.34% | 37.34% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5326.25 |  | 3.830% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_462 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.069% | XXX | 6.750% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Other | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.87 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_481 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6740 | $9441.58 | XXX | 6.461% | XXX | 6.250% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  | XXX | XXX |  |  |  | 49.17% | 49.17% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | 12 Month Bank Statement | 7 | XXX | XXX | 1 | XXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 6740 |  | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_449 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8701.25 | $15776.89 | XXX | 5.055% | XXX | 4.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 38.69% | 38.69% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.00% | 100.00% |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8701.25 |  | 3.760% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | N/A |  | 0.00 |  | N/A | No | Yes | 12 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_482 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.056% | XXX | 5.625% | Yes |  | Not Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - N/A | Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.10 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_444 |  |  | ATR/QM: Not Applicable | XXX | Yes | No |  | $0.00 |  | 0.062% | XXX | 6.000% | Yes | Yes | Not Employed | Not Employed |  |  |  |  | XXX |  |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 0.00% | 0.00% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 1.37 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_18 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 6630 | $7357.79 | XXX | 4.111% | XXX | 3.999% | No |  | Self-Employed |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  | 1 | XXX | XXX |  |  |  |  |  |  | 49.59% | 49.59% | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.00% | 100.00% |  |  | Borrower - Wage - CPA Letter Verified, Personal Bank Statements Verified | Borrower | 12 Month Bank Statement |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 6630 |  | 2.820% |  |  |  | No |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  |  | N/A |  | 0.00 |  | N/A | No | Yes | 120 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_144 |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Yes | No | 8945 | $9768.74 | XXX | 3.857% | XXX | 3.750% | No | No | Employed | Employed |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  | 1 | XXX | XXX | XXX | XXX | XXX |  |  |  | 36.65% | 36.65% | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Personal Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Personal Bank Statements Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 8945 |  | 2.910% |  |  |  | No |  |  | No |  | 2 | 2 | 0 | 0 | 0 | 0 |  |  |  | N/A |  | 0.00 |  | N/A | No | NA |  | Yes | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Principal and Interest** | **Monthly Taxes** | **Monthly Insurance** | **HOA** | **Qual PITIA** | **Lease in Place Flag** | **Actual in Place Rent** | **Third Party Market Rent** | **Rent used for DSCR** | **DSCR ratio** | **Supplemental DSCR Ratio** | **Difference** |
| 500_79 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.85 | 0.85 | XXX |
| 500_91 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.09 | 1.09 | XXX |
| 500_89 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.25 | 1.25 | XXX |
| 500_95 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.22 | 1.22 | XXX |
| 500_66 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 5.41 | 5.41 | XXX |
| 500_127 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.79 | 0.79 | XXX |
| 500_104 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.96 | 0.96 | XXX |
| 500_76 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 0.80 | 0.80 | XXX |
| 500_111 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 3.95 | 3.95 | XXX |
| 500_122 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.40 | 1.40 | XXX |
| 500_130 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.88 | 0.88 | XXX |
| 500_77 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 0.96 | 0.96 | XXX |
| 500_158 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.07 | 1.07 | XXX |
| 500_92 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.00 | 1.00 | XXX |
| 500_119 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.22 | 1.22 | XXX |
| 500_86 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.95 | 0.95 | XXX |
| 500_125 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.76 | 0.76 | XXX |
| 500_75 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.06 | 1.06 | XXX |
| 500_93 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.23 | 1.23 | XXX |
| 500_136 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.21 | 1.21 | XXX |
| 500_99 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 2.63 | 2.63 | XXX |
| 500_107 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.30 | 1.30 | XXX |
| 500_124 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.33 | 1.33 | XXX |
| 500_85 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.12 | 1.12 | XXX |
| 500_152 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.15 | 1.15 | XXX |
| 500_153 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.98 | 0.98 | XXX |
| 500_160 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.08 | 1.08 | XXX |
| 500_163 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.92 | 0.92 | XXX |
| 500_167 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 2.04 | 2.04 | XXX |
| 500_472 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 0.30 | 0.30 | XXX |
| 500_178 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.25 | 1.25 | XXX |
| 500_94 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.13 | 1.13 | XXX |
| 500_101 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.31 | 1.31 | XXX |
| 500_146 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.17 | 1.17 | XXX |
| 500_169 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.01 | 1.01 | XXX |
| 500_116 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.58 | 0.58 | XXX |
| 500_188 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 0.98 | 0.98 | XXX |
| 500_150 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.69 | 0.69 | XXX |
| 500_194 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.25 | 1.25 | XXX |
| 500_22 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.10 | 1.10 | XXX |
| 500_211 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.96 | 0.96 | XXX |
| 500_216 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.88 | 0.88 | XXX |
| 500_140 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.73 | 0.73 | XXX |
| 500_259 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.14 | 1.14 | XXX |
| 500_272 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.80 | 0.80 | XXX |
| 500_20 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.19 | 1.19 | XXX |
| 500_189 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.29 | 1.29 | XXX |
| 500_198 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.03 | 1.03 | XXX |
| 500_24 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 0.58 | 0.58 | XXX |
| 500_227 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.77 | 0.77 | XXX |
| 500_246 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.08 | 1.08 | XXX |
| 500_177 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.34 | 1.34 | XXX |
| 500_267 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.37 | 1.37 | XXX |
| 500_220 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.24 | 1.24 | XXX |
| 500_247 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.13 | 1.13 | XXX |
| 500_258 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.18 | 1.18 | XXX |
| 500_284 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.89 | 0.89 | XXX |
| 500_249 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.19 | 1.19 | XXX |
| 500_281 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 2.86 | 2.86 | XXX |
| 500_171 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.01 | 1.01 | XXX |
| 500_244 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.00 | 1.00 | XXX |
| 500_207 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 2.23 | 2.23 | XXX |
| 500_232 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.31 | 1.31 | XXX |
| 500_236 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.73 | 1.73 | XXX |
| 500_237 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.85 | 0.85 | XXX |
| 500_241 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.21 | 1.21 | XXX |
| 500_121 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.22 | 1.22 | XXX |
| 500_123 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.10 | 1.10 | XXX |
| 500_287 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.14 | 1.14 | XXX |
| 500_304 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.22 | 1.22 | XXX |
| 500_333 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.03 | 1.03 | XXX |
| 500_279 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.05 | 1.05 | XXX |
| 500_270 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.35 | 1.35 | XXX |
| 500_337 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.30 | 1.30 | XXX |
| 500_321 | XXX | XXX | XXX | XX | XXX | Yes | XXX | XXX | XXX | 0.84 | 0.84 | XXX |
| 500_343 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.11 | 1.11 | XXX |
| 500_312 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.76 | 0.76 | XXX |
| 500_326 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.91 | 0.91 | XXX |
| 500_352 | XXX | XXX | XXX | XX | XXX | Yes | XXX | XXX | XXX | 1.34 | 1.34 | XXX |
| 500_471 | XXX | XXX | XXX | XX | XXX | Yes | XXX | XXX | XXX | 0.96 | 0.96 | XXX |
| 500_234 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.10 | 1.10 | XXX |
| 500_280 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.69 | 0.69 | XXX |
| 500_300 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.25 | 1.25 | XXX |
| 500_371 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.85 | 0.85 | XXX |
| 500_309 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.16 | 1.16 | XXX |
| 500_21 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.10 | 1.10 | XXX |
| 500_276 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.59 | 1.59 | XXX |
| 500_365 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.35 | 1.35 | XXX |
| 500_223 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.84 | 0.84 | XXX |
| 500_344 | XXX | XXX | XXX | XX | XXX | Yes | XXX | XXX | XXX | 1.20 | 1.20 | XXX |
| 500_362 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.20 | 1.20 | XXX |
| 500_164 | XXX | XXX | XXX | XX | XXX | Yes | XXX | XXX | XXX | 1.14 | 1.14 | XXX |
| 500_324 | XXX | XXX | XXX | XX | XXX | yes | XXX | XXX | XXX | 1.16 | 1.16 | XXX |
| 500_180 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.87 | 0.87 | XXX |
| 500_347 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.38 | 1.38 | XXX |
| 500_364 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.21 | 1.21 | XXX |
| 500_368 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.91 | 0.91 | XXX |
| 500_355 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.41 | 1.41 | XXX |
| 500_360 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.79 | 0.79 | XXX |
| 500_370 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.03 | 1.03 | XXX |
| 500_439 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.95 | 0.95 | XXX |
| 500_489 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.72 | 0.72 | XXX |
| 500_491 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.04 | 1.04 | XXX |
| 500_486 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.97 | 0.97 | XXX |
| 500_490 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.62 | 0.62 | XXX |
| 500_454 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.38 | 1.38 | XXX |
| 500_375 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.85 | 0.85 | XXX |
| 500_450 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.07 | 1.07 | XXX |
| 500_459 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.00 | 1.00 | XXX |
| 500_456 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.94 | 0.94 | XXX |
| 500_464 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.01 | 1.01 | XXX |
| 500_462 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 0.87 | 0.87 | XXX |
| 500_482 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.10 | 1.10 | XXX |
| 500_444 | XXX | XXX | XXX | XX | XXX | No |  | XXX | XXX | 1.37 | 1.37 | XXX |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 500_65 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA |  |  |
| 500_79 |  | D A | Closed | FPRO1244 | 2021-08-27 18:06 | 2021-10-13 09:38 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021 <br> Open-Third party review product confirming origination appraised value within 10% variance not provided. - Due Diligence Vendor-08/17/2021 | Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24 Are Greater Than The Guideline Minimum Of 12 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_91 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | OK | Investment | Purchase | NA |  |  |
| 500_89 |  | D A | Closed | FPRO1244 | 2021-08-27 18:05 | 2021-10-13 09:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021 <br> Open-Third party review product confirming origination appraised value within 10% variance not provided. - Due Diligence Vendor-08/17/2021 | Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91 Are Greater Than The Guideline Minimum Of 6 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_95 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 500_71 |  | D A | Closed | FPRO1244 | 2022-12-29 19:44 | 2023-01-03 08:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Received desk review - Due Diligence Vendor-01/03/2023 <br>Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/30/2022 |  | Resolved-Document Uploaded. Received desk review - Due Diligence Vendor-01/03/2023<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<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Job Time 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 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 XXX By Twenty (20) or More Points |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Rate and Term | N/A | N/A |
| 500_66 |  | D A | Closed | FPRO1244 | 2021-09-29 12:56 | 2021-09-30 14:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-: Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-09/30/2021 <br> Ready for Review-Canopy valuation process - to order product. - Seller-09/29/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/23/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/23/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/23/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-09/29/2021<br>| Resolved-: Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/30/2021 | 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 0 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | UT | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_81 |  | D A | Closed | FCOM1233 | 2021-12-27 15:05 | 2021-12-28 13:58 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/28/2021 <br> Ready for Review-Document Uploaded. Please review Final 1003 signed by borrower - thank you. - Seller-12/27/2021 <br> Open-The Final 1003 is Incomplete Missing complete final 1003 only have The Loan Originator Signature page on page XXX - Due Diligence Vendor-09/24/2021 | Ready for Review-Document Uploaded. Please review Final 1003 signed by borrower - thank you. - Seller-12/27/2021 | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/28/2021<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Job Time 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 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 - 17 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.81% 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 - 20 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of XXX% Is Less Than The Guideline Maximum Of XXX% By Five Percent (5%) Or More |  | XXX Final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_108 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |
| 500_127 |  | A | Closed | FPRO1244 | 2021-08-27 12:15 | 2021-09-14 09:52 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-09/14/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/27/2021 | Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/14/2021 | Qualifying 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> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_104 |  | D A | Closed | FPRO1244 | 2021-08-27 18:06 | 2021-10-13 09:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021 <br> Open- - Due Diligence Vendor-08/20/2021 | Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | 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<br> Qualifying 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> 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 - XXX Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_67 |  | C A | Closed | FPRO868 | 2021-08-30 14:05 | 2022-12-21 10:23 | Resolved | 1 - Information C A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is $XXX and Appraised Value is $XXX For a Variance of XXX%) - Due Diligence Vendor-11/05/2021 <br> Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (BPO value is $XXX and Appraised Value is $XXX For a Variance of XXX%) - Due Diligence Vendor-10/27/2021 <br> Ready for Review-Canopy Valuation process - to order product - Seller-08/30/2021 <br> Open-Desk Review Value(s) Do Not Adhere To Tolerance Criteria (Desk Review Value is $XXX and Appraised Value is $XXX For a Variance of XXX%) - Due Diligence Vendor-08/20/2021 | Ready for Review-Canopy Valuation process - to order product - Seller-08/30/2021<br>| Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is $XXX and Appraised Value is $XXX For a Variance of XXX%) - Due Diligence Vendor-11/05/2021 <br> Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (BPO value is $XXX and Appraised Value is $XXX For a Variance of XXX%) - Due Diligence Vendor-10/27/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.43% 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<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 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 XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Not Greater Than The Guideline Minimum Of 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 - 12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - XXXYears |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_13 |  | D A | Closed | FPRO1244 | 2021-08-27 18:05 | 2021-10-13 10:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO PROVIDED a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021 | Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021<br>| Resolved-BPO PROVIDED a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | 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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269 Are Greater Than The Guideline Minimum Of By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.89% 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 - XXX Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_110 |  | D A | Closed | FPRO1244 | 2021-08-27 12:25 | 2021-09-14 10:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/14/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021 <br> Open-AVM provided is not within 10% of tolerance (XXX%). CDA needed. Order placed for third party product. - Due Diligence Vendor-08/27/2021 | Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/14/2021 | Borrower 1 Has Stable Job Time 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 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_76 |  | D A | Closed | FPRO1244 | 2021-08-27 18:06 | 2021-10-13 10:08 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021 <br> Open- - Due Diligence Vendor-08/24/2021 | Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | 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 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 - XXX Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | ID | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_111 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other |  |  |
| 500_122 |  | D A | Closed | FPRO1244 | 2021-08-27 13:18 | 2021-09-15 08:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/15/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021 <br> Open-AVM value not within 10% of appraised value (XXX%). Additionally, confidence score is XXX which would also warrant a CDA. Order placed for third party product. - Due Diligence Vendor-08/27/2021 | Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/15/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | DC | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_130 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_77 |  | D A | Closed | FPRO1244 | 2021-08-27 13:18 | 2021-09-14 10:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/14/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-08/27/2021 | Ready for Review-Canopy valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-09/14/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6 Are Greater Than The Guideline Minimum Of 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 - XXX Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_158 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_92 |  | D A | Closed | FPRO1244 | 2021-09-01 11:16 | 2021-09-08 08:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-09/08/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-09/01/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/01/2021 | Ready for Review-Canopy valuation process - to order product - Seller-09/01/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-09/08/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 0 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 - XXX Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | IL | Investment | Purchase | NA | N/A | N/A |
| 500_119 |  | D A | Closed | FPRO1244 | 2021-08-27 18:05 | 2021-10-13 09:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021 <br> Open- - Due Diligence Vendor-08/25/2021 | Ready for Review-Canopy Valuation process - to order product - Seller-08/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of 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 - XXX Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA | N/A | N/A |
| 500_86 |  | D B A | Closed | FPRO1244 | 2021-09-27 18:50 | 2021-10-08 08:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-08/27/2021 | Ready for Review-Canopy valuation process - to order product - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 70% 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 - XXX 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 70% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_86 |  | D B A | Closed | FCOM1621 | 2021-09-02 10:43 | 2021-09-24 20:52 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Acknowledged-Non-Material<br> - Due Diligence Vendor-09/25/2021 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-09/02/2021 |  | Acknowledged-Non-Material<br> - Due Diligence Vendor-09/25/2021<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 70% 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 - XXX 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 70% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_125 |  | D B A | Closed | FPRO1244 | 2021-09-27 13:03 | 2021-10-07 19:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-08/31/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_125 |  | D B A | Closed | FCOM1621 | 2021-08-31 09:39 | 2021-09-24 20:52 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Acknowledged-Non-Material<br> - Due Diligence Vendor-09/25/2021 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-08/31/2021 |  | Acknowledged-Non-Material<br> - Due Diligence Vendor-09/25/2021<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_75 |  | D A | Closed | FPRO1244 | 2021-09-27 12:50 | 2021-10-07 13:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open-Third party review product confirming origination appraised value within 10% variance not provided.<br> - Due Diligence Vendor-08/30/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | 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 XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | OR | Investment | Purchase | NA | N/A | N/A |
| 500_93 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 500_136 |  | D A | Closed | FPRO1244 | 2021-09-27 13:06 | 2021-10-07 19:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_165 |  | C A | Closed | finding-3438 | 2021-11-12 13:57 | 2021-11-15 12:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Dual Broker Compensation Test | Resolved-Because the tolerance cure in section H shows the funds coming from the broker to the borrower, the broker is not being dual paid by the borrower and the lender. - Due Diligence Vendor-11/15/2021 <br> Ready for Review-Please review the statement from QC: <br>The $XXX "paid by borrower" is XXX, which represents a credit. Send the Final Settlement Statement. This shows a "Tolerance Cure to XXX" from the borrower in the amount of $XXX. Outline to them that a XXX equals a refund. - Seller-11/12/2021 <br> Counter-Section H item #11 on Final CD and PCCD have a TOLERANCE CURE on over 10% Tolerance Section to FROM BROKER in the amount of $XXX paid by the borrower. We need proof of who paid the tolerance cure of $XXX. If the lender paid the tolerance cure then CD/PCCD would have a portion of the mortgage broker fee being paid by the borrower as well as the lender with both going to the broker and thus the dual compensation. - Due Diligence Vendor-11/05/2021 <br> Ready for Review-Please review statement from underwriting: Per final CD, the borrower paid a mortgage broker fee of $XXX or XXX%. No third party fee of $XXX was charged to the borrower or reflected on the final HUD. This loan has standard borrower paid broker fees. - Seller-11/03/2021 <br> Counter-Itemization of fees was provided, however, will need proof of who paid the tolerance cure of $XXX. If the lender paid the tolerance cure then CD/PCCD would have a portion of the mortgage broker fee being paid by the borrower as well as the lender with both going to the broker and thus the dual compensation. - Due Diligence Vendor-10/26/2021 <br> Ready for Review-Document Uploaded. Hello, please review the broker statement showing the borrower paid both broker fees $XXX + $XXX. Thank you. - Seller-09/28/2021 <br> Open-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of $XXX and broker compensation paid by another party of $XXX.This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. - Due Diligence Vendor-09/03/2021 | Ready for Review-Please review the statement from QC: <br>The $XXX "paid by borrower" is -$XXX, which represents a credit. Send the Final Settlement Statement. This shows a "Tolerance Cure to XXX" from the borrower in the amount of XXX $XXX. Outline to them that a XXX equals a refund. - Seller-11/12/2021 <br> Ready for Review-Please review statement from underwriting: Per final CD, the borrower paid a XXX fee of $XXX or XXX%. No third party fee of $XXX was charged to the borrower or reflected on the final HUD. This loan has standard borrower paid XXX fees. - Seller-11/03/2021 <br> Ready for Review-Document Uploaded. Hello, please review the broker statement showing the borrower paid both XXX fees $XXX + $XXX. Thank you. - Seller-09/28/2021 | Resolved-Because the tolerance cure in section H shows the funds coming from the XXX to the borrower, the XXX is not being dual paid by the borrower and the lender. - Due Diligence Vendor-11/15/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - XXX Years |  | XXX Broker Itemization of amount Financed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | IL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_99 |  | D A | Closed | FPRO1244 | 2021-09-27 12:57 | 2021-10-07 14:53 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open-Third party review product confirming origination appraised value within 10% variance not provided. - Due Diligence Vendor-09/01/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - XXX Years<br> 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 XXX Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | IN | Investment | Purchase | NA | N/A | N/A |
| 500_107 |  | D A | Closed | FPRO1244 | 2021-09-27 13:00 | 2021-10-13 10:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open-Third party review product confirming origination appraised value within 10% variance not provided. - Due Diligence Vendor-09/01/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | 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 - XXX Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of XXX 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 XXX By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA | N/A | N/A |
| 500_124 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | IL | Investment | Purchase | NA |  |  |
| 500_72 |  | D A C | Closed | FPRO1244 | 2021-09-27 18:47 | 2021-10-08 08:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-Canopy valuation process - to order product - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Qualifying 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> 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 - XXX Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - XXX 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 - XXX Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_72 |  | D A C | Closed | FCRE1168 | 2021-09-28 19:07 | 2021-09-29 11:47 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Confirmed sufficient replacement cost coverage per estimate from insurer. - Due Diligence Vendor-09/29/2021 <br> Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-09/29/2021 <br> Ready for Review-Document Uploaded. Hello, please review the attached XXX from the insurance agent. Thank you. - Seller-09/28/2021 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-09/08/2021 | Ready for Review-Document Uploaded. Hello, please review the attached RCE from the insurance agent. Thank you. - Seller-09/28/2021<br>| Resolved-Confirmed sufficient replacement cost coverage per estimate from insurer. - Due Diligence Vendor-09/29/2021 <br> Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-09/29/2021 | Qualifying 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> 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 - XXX Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - XXX 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 - XXX Years |  | XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_106 |  | D A | Closed | FPRO1244 | 2021-09-27 13:00 | 2021-10-07 15:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | 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 - XXX 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 - XXX Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.71% 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 - XXX Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.71% 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<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals XXX<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - XXX Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 0 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 - XXX Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_114 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| 500_85 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | PA | Investment | Purchase | NA |  |  |
| 500_152 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_153 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 500_160 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | IL | Investment | Purchase | NA |  |  |
| 500_163 |  | D A | Closed | FPRO1244 | 2021-09-27 13:12 | 2021-10-13 10:27 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.98% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.98% 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 10 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA | N/A | N/A |
| 500_167 |  | D A | Closed | FPRO1244 | 2021-09-27 13:14 | 2021-10-07 20:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.29% 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.29% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_155 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA |  |  |
| 500_129 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 500_126 |  | B A | Closed | FCRE1200 | 2021-09-10 11:05 | 2021-09-24 20:52 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Non-Material<br> - Due Diligence Vendor-09/25/2021 <br> Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Exception approval in file - Due Diligence Vendor-09/10/2021 |  | Acknowledged-Non-Material<br> - Due Diligence Vendor-09/25/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | MI | Primary Residence | Purchase | NA | N/A | N/A |
| 500_102 |  | D A | Closed | FPRO1244 | 2021-09-27 12:59 | 2021-10-07 15:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open-Third party review product confirming origination appraised value within 10% variance not provided. - Due Diligence Vendor-09/08/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.48% 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> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.48% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_468 |  | D A C | Closed | finding-3631 | 2021-09-29 12:54 | 2021-10-26 19:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved. Received Revised LE - Due Diligence Vendor-10/26/2021 <br> Ready for Review-Missing LE XXX uploaded for other exception. - Seller-09/29/2021 <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. Based on the disclosure tracking, there is an LE dated XXX that is missing from the file. On this LE and based on the COC in file, the credit report fee rose to $XXX so having this LE would clear this finding. - Due Diligence Vendor-09/27/2021 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/14/2021 | Ready for Review-Missing LE XXX uploaded for other exception. - Seller-09/29/2021 | Resolved-Resolved. Received Revised LE - Due Diligence Vendor-10/26/2021<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 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.13% 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 XXX<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% 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 | WA | Primary Residence | Refinance | Rate and Term | N/A | N/A |
| 500_468 |  | D A C | Closed | finding-3632 | 2021-09-29 12:53 | 2021-10-26 19:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved. Received Revised LE - Due Diligence Vendor-10/26/2021 <br> Ready for Review-Document Uploaded. Hello, please review the attached missing LE from XXX...thank you. - Seller-09/29/2021 <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. Based on the disclosure tracking, there is an LE dated XXX that is missing from the file. On this LE and based on the COC in file, the XXX fee rose to $XXX so having this LE would clear this finding. - Due Diligence Vendor-09/27/2021 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/14/2021 | Ready for Review-Document Uploaded. Hello, please review the attached missing LE fromXXX...thank you. - Seller-09/29/2021 | Resolved-Resolved. Received Revised LE - Due Diligence Vendor-10/26/2021<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 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.13% 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 0.16725<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | XXX LE XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Refinance | Rate and Term | N/A | N/A |
| 500_468 |  | D A C | Closed | finding-3634 | 2021-09-29 12:54 | 2021-10-26 19:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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).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). Received Revised LE - Due Diligence Vendor-10/26/2021 <br> Ready for Review-Missing LE from XXX uploaded for other exception. - Seller-09/29/2021 <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). Based on the disclosure tracking, there is an LE dated XXX that is missing from the file. On this LE and based on the COC in file, the credit report fee rose to $XXX so having this LE would clear this finding. - Due Diligence Vendor-09/27/2021 | Ready for Review-Missing LE fromXXX uploaded for other exception. - Seller-09/29/2021 | 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).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). Received Revised LE - Due Diligence Vendor-10/26/2021 | 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 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.13% 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 0.16725<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% 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 | WA | Primary Residence | Refinance | Rate and Term | N/A | N/A |
| 500_468 |  | D A C | Closed | FPRO1244 | 2021-09-27 18:57 | 2021-10-07 22:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/10/2021 | Ready for Review-Canopy valuation process - to order product - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | 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 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.13% 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 0.16725<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% 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 | WA | Primary Residence | Refinance | Rate and Term | N/A | N/A |
| 500_469 |  | D A | Closed | FPRO1244 | 2021-09-27 13:27 | 2021-10-07 22:16 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/10/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08785100286532951<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 249 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<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 - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 500_115 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_472 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | OR | Investment | Refinance | Cash Out - Other |  |  |
| 500_19 |  | D A | Closed | FPRO1244 | 2021-09-27 12:40 | 2021-10-07 12:39 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | 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 - 25.5 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 - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.1% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.1% 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 | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_195 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA |  |  |
| 500_105 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NV | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_145 |  | C A | Closed | FVAL3525 | 2021-09-27 18:19 | 2021-10-15 17:13 | Resolved | 1 - Information C A | Property | Appraisal | Valuation product is deficient | Resolved-AVM received - Due Diligence Vendor-10/15/2021 <br> Ready for Review-Document Uploaded. Hello, please see the attached AVM for this loan. Thank you. - Seller-09/27/2021 <br> Open-Tape states AVM within 10% but AVM not in file. <br> - Due Diligence Vendor-09/25/2021 | Ready for Review-Document Uploaded. Hello, please see the attached AVM for this loan. Thank you. - Seller-09/27/2021<br>| Resolved-AVM received - Due Diligence Vendor-10/15/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.87% 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 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 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>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 26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX AVM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_148 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA |  |  |
| 500_178 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 500_94 |  | D A | Closed | FPRO1244 | 2021-09-27 12:56 | 2021-10-07 14:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/15/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.97% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.97% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TN | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_101 |  | D A | Closed | FPRO1244 | 2021-09-27 12:59 | 2021-10-07 15:04 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/15/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.11% 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 135 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.11% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_57 |  | D A | Closed | FPRO1244 | 2021-09-27 12:44 | 2021-10-07 12:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/15/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 - 20 Years<br>Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.78% 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 | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_62 |  | D A | Closed | FPRO1244 | 2021-09-27 12:47 | 2021-10-13 10:10 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open-Third party review product confirming origination appraised value within 10% variance not provided. - Due Diligence Vendor-09/15/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.54% 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 XXX By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_84 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA |  |  |
| 500_87 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |
| 500_138 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA |  |  |
| 500_174 |  | D A | Closed | FPRO1244 | 2021-09-27 13:17 | 2021-10-07 20:59 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.85% 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 43.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_197 |  | D A | Closed | FPRO1244 | 2021-09-27 13:22 | 2021-10-07 21:24 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.2% 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 27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | IN | Primary Residence | Purchase | NA | N/A | N/A |
| 500_61 |  | D A | Closed | FPRO1244 | 2021-09-27 14:40 | 2021-10-09 13:35 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/09/2021 <br> Ready for Review-Canopy valuation process - to order product. - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/09/2021 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.64% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.64% 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 | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_146 |  | D A | Closed | FPRO1244 | 2021-09-27 13:09 | 2021-10-07 20:05 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Qualifying 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> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_169 |  | D A | Closed | FPRO1244 | 2021-09-27 13:15 | 2021-10-07 20:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63 Are Greater Than The Guideline Minimum Of 0 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_154 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA |  |  |
| 500_116 |  | D A | Closed | FPRO1244 | 2021-09-27 13:01 | 2021-10-07 19:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Qualifying 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NC | Investment | Purchase | NA | N/A | N/A |
| 500_182 |  | D A | Closed | FPRO1244 | 2021-09-27 13:19 | 2021-10-07 21:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/21/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | IL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_55 |  | D A | Closed | FPRO1244 | 2021-09-27 12:41 | 2021-10-14 14:01 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/14/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/21/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/14/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NV | Primary Residence | Purchase | NA | N/A | N/A |
| 500_78 |  | D A | Closed | FPRO1244 | 2021-09-27 12:51 | 2021-10-07 13:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 <br> Open- - Due Diligence Vendor-09/21/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/07/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.91% 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 10 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.42% 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 58.91% 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> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Refinance | Rate and Term | N/A | N/A |
| 500_179 |  | D A | Closed | FPRO1244 | 2021-09-27 13:19 | 2021-10-07 21:16 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/25/2021 | Ready for Review-"Canopy valuation process – to order product" - Seller-09/27/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) 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 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 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 XXX 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 0.23223214285714286 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_14 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_188 |  | D A | Closed | FPRO1244 | 2021-10-08 11:15 | 2021-10-13 11:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/08/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/05/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/08/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-10/13/2021 | 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 131 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | OR | Investment | Purchase | NA | N/A | N/A |
| 500_100 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_11 |  | D A | Closed | FPRO1244 | 2021-10-08 11:13 | 2021-11-05 09:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/08/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/06/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/08/2021<br>| Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.17% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.17% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_150 |  | D A | Closed | FPRO1244 | 2021-10-15 14:05 | 2021-10-19 16:29 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/15/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/12/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/15/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>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 40 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_194 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_22 |  | D A | Closed | FPRO1244 | 2021-10-15 13:56 | 2021-10-19 16:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/15/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/12/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/15/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_211 |  | D A | Closed | FPRO1244 | 2021-10-14 13:57 | 2021-10-19 16:51 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/14/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/12/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/14/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_216 |  | D B A | Closed | FPRO1244 | 2021-10-15 14:10 | 2021-10-19 16:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/15/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/12/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/15/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/19/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_216 |  | D B A | Closed | FCOM1621 | 2021-10-15 10:02 | 2021-10-18 23:57 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Acknowledged-Non-Material - Due Diligence Vendor-10/19/2021 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-10/15/2021 |  | Acknowledged-Non-Material - Due Diligence Vendor-10/19/2021<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_233 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |
| 500_253 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Purchase | NA |  |  |
| 500_203 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 500_240 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_215 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Refinance | Rate and Term |  |  |
| 500_264 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | UT | Primary Residence | Purchase | NA |  |  |
| 500_60 |  | D A | Closed | FPRO1244 | 2021-10-20 18:15 | 2021-10-25 10:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/15/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.41% 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 | NC | Primary Residence | Purchase | NA | N/A | N/A |
| 500_80 |  | D A | Closed | FPRO1244 | 2021-10-20 18:16 | 2021-10-25 10:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/15/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.63% Is Below The Guideline Maximum Of 65% 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> 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 - 14 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.63% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.92% 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 | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_190 |  | C B A | Closed | FCRE1197 | 2021-10-25 18:33 | 2021-10-27 14:33 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Transaction closed under approved Lender Exception for FICO of XXX vs. program minimum of XXX. Max loan amount and LTV at $XXXX and XXX% are adhered to. - Due Diligence Vendor-10/26/2021 <br> Ready for Review-Document Uploaded. Please review the UW w/ notes the exception made for the issue - thank you. - Seller-10/25/2021 <br> Open-Audited FICO of XXX is less than Guideline FICO of XXX B1 credit scores per XXX. B2 credit scores per XXXX. - Due Diligence Vendor-10/20/2021 <br> Open-Audited FICO of XXX is less than Guideline FICO of XXX - Due Diligence Vendor-10/19/2021 | Ready for Review-Document Uploaded. Please review the UW w/ notes the exception made for the issue - thank you. - Seller-10/25/2021<br>| Acknowledged-Transaction closed under approved Lender Exception for FICO of XXX vs. program minimum of XXX. Max loan amount and LTV at $XXX and XXX% are adhered to. - Due Diligence Vendor-10/26/2021 | 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 - 27.11 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 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<br>Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX Underwriting Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_222 |  | D A | Closed | FPRO1244 | 2021-10-20 18:20 | 2021-10-25 10:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/18/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 | Borrower 1 Has Stable Job Time 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 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 - 25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.03% 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 0.24260628465804066 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NV | Primary Residence | Purchase | NA | N/A | N/A |
| 500_238 |  | D A | Closed | FPRO1244 | 2021-10-20 18:20 | 2021-10-25 10:05 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/18/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/20/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.17 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 XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.72% 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 | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_97 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 500_292 |  | D A | Closed | finding-3631 | 2021-10-27 09:53 | 2021-10-27 10:05 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-10/27/2021 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/27/2021 |  | Resolved-Resolved - Due Diligence Vendor-10/27/2021<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) 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> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05114190507152146<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.78% 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_292 |  | D A | Closed | finding-3632 | 2021-10-27 09:53 | 2021-10-27 10:05 | Resolved | 1 - Information A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-10/27/2021 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/27/2021 |  | Resolved-Resolved - Due Diligence Vendor-10/27/2021<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) 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> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05114190507152146<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.78% 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_292 |  | D A | Closed | finding-3634 | 2021-10-27 09:53 | 2021-10-27 10:05 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-10/27/2021 |  | 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-10/27/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) 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> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05114190507152146<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.78% 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_292 |  | D A | Closed | FPRO1244 | 2021-10-21 13:48 | 2021-10-25 09:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/21/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/18/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/21/2021<br>| Resolved-Desk review provided with a value of XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) 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> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05114190507152146<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 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 XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.78% 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_26 |  | D A | Closed | FPRO1244 | 2021-10-22 14:28 | 2021-10-25 09:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/22/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/19/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/22/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 | 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.67% 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 - 20.2 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.80 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_140 |  | D A | Closed | FPRO1244 | 2021-10-22 14:16 | 2021-10-25 09:24 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 <br> Ready for Review-Canopy valuation process - to order product. - Seller-10/22/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/19/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-10/22/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-10/25/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_259 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_272 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | ID | Investment | Purchase | NA |  |  |
| 500_20 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Rate and Term |  |  |
| 500_189 |  | B A | Closed | FCOM1621 | 2021-10-25 13:19 | 2021-10-26 01:23 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Acknowledged-Non-Material - Due Diligence Vendor-10/26/2021 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-10/25/2021 |  | Acknowledged-Non-Material - Due Diligence Vendor-10/26/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | OH | Investment | Purchase | NA | N/A | N/A |
| 500_198 |  | B A | Closed | FCOM1621 | 2021-10-25 11:24 | 2021-10-26 01:23 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Acknowledged-Non-Material - Due Diligence Vendor-10/26/2021 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-10/25/2021 |  | Acknowledged-Non-Material - Due Diligence Vendor-10/26/2021<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<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 0% 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 - 11 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_24 |  | D A | Closed | FPRO1244 | 2021-10-22 17:23 | 2021-10-27 16:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-10/27/2021 <br> Ready for Review-Canopy valuation process - to order product. - Seller-10/22/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/21/2021 <br> Open- - Due Diligence Vendor-10/21/2021 | Ready for Review-Canopy valuation process - to order product. - Seller-10/22/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-10/27/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 189 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | MT | Investment | Purchase | NA | N/A | N/A |
| 500_227 |  | D A | Closed | FPRO1244 | 2021-10-22 15:24 | 2021-10-27 16:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-10/27/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/22/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/21/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/22/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-10/27/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 538 Are Greater Than The Guideline Minimum Of 0 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 XXX By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | UT | Investment | Purchase | NA | N/A | N/A |
| 500_246 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_177 |  | D B C A | Closed | FPRO1244 | 2021-10-26 14:02 | 2021-11-18 09:56 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/22/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_177 |  | D B C A | Closed | FCRE1505 | 2021-10-27 15:08 | 2021-11-03 01:15 | Acknowledged | 2 - Non-Material C B | Credit | Insurance | Insurance Document(s) Do Not Meet Guideline Requirements | Acknowledged-Sufficient replacement cost coverage is in effect. Policy does not include rent-loss insurance as required by guidelines, however a one-time variance Exception was approved on XXX to waive. - Due Diligence Vendor-10/28/2021 <br> Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you - Seller-10/27/2021 <br> Open-HOI does not include rent loss coverage, exception approval in file. - Due Diligence Vendor-10/25/2021 | Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you - Seller-10/27/2021<br>| Acknowledged-Sufficient replacement cost coverage is in effect. Policy does not include rent-loss insurance as required by guidelines, however a one-time variance Exception was approved on XXX to waive. - Due Diligence Vendor-10/28/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% 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 |  | XXX Replacement Cost Estimator XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_267 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA |  |  |
| 500_229 |  | D A | Closed | FPRO1244 | 2021-10-26 14:01 | 2021-11-10 15:27 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/10/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/22/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/10/2021 | 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>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 2 Has Stable Time In Profession By Ten (10) Years Or More - 32 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV 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 - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 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 - 32 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 - 32 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_225 |  | D A C | Closed | FPRO1244 | 2021-10-27 18:01 | 2021-11-18 12:11 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/27/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/22/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/27/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.011578947368421053<br> Qualifying 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> 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_225 |  | D A C | Closed | finding-3634 | 2021-11-12 18:26 | 2021-11-16 12:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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).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 LD received - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Please see other exception for XXX LE - thanks - Seller-11/12/2021 <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). \*\*\*Issue is caused because we do not have the initial LE that was sent to the borrower on XXX\*\*\* <br>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). There's no COC in the file for the fee's in the report - Due Diligence Vendor-10/22/2021 | Ready for Review-Please see other exception for XXX LE - thanks - Seller-11/12/2021 | 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial LD received - Due Diligence Vendor-11/16/2021 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.011578947368421053<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_225 |  | D A C | Closed | finding-3635 | 2021-11-12 18:26 | 2021-11-16 12:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Initial LD received - Due Diligence Vendor-11/16/2021 <br> Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-10/22/2021 <br> Ready for Review-Please see other exception for 8.19.2021 LE - thanks - Seller-11/12/2021 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*Issue is caused because we do not have the initial LE that was sent to the borrower on XXX\*\*\* - Due Diligence Vendor-10/27/2021 | Ready for Review-Please see other exception forXXX LE - thanks - Seller-11/12/2021 | Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Initial LD received - Due Diligence Vendor-11/16/2021 <br> Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($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-10/22/2021 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.011578947368421053<br> Qualifying 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> 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_225 |  | D A C | Closed | finding-3515 | 2021-11-12 18:25 | 2021-11-16 12:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-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 $XXX, 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. Initial LD received - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Document Uploaded. Please review the LE from XXX - thank you. - Seller-11/12/2021 <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. \*\*\*Issue is caused because we do not have the initial LE that was sent to the borrower on XXX\*\*\* <br>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. The service provider list was issued on XXX and the LE was issued on XXX which is three days pass the application date. - Due Diligence Vendor-10/22/2021 | Ready for Review-Document Uploaded. Please review the LE from XXX - thank you. - Seller-11/12/2021 | Resolved-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 $XXX, 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. Initial LD received - Due Diligence Vendor-11/16/2021 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.011578947368421053<br> Qualifying 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> 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 |  | XXX Z Documents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_225 |  | D A C | Closed | finding-3631 | 2021-11-12 18:27 | 2021-11-16 12:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Please see other exception for XXX LE - thanks - Seller-11/12/2021 <br> Ready for Review-Please see other exception for XXX LE - thanks - Seller-11/12/2021 <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. \*\*\*Issue is caused because we do not have the initial LE that was sent to the borrower on XXX\*\*\* - Due Diligence Vendor-10/27/2021 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/22/2021 | Ready for Review-Please see other exception for XXX LE - thanks - Seller-11/12/2021 <br> Ready for Review-Please see other exception for XXX1 LE - thanks - Seller-11/12/2021 | Resolved-Resolved - Due Diligence Vendor-11/16/2021<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.011578947368421053<br> Qualifying 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> 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_225 |  | D A C | Closed | finding-3632 | 2021-11-12 18:26 | 2021-11-16 12:57 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Please see other exception for XXX LE - thanks - Seller-11/12/2021 <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. \*\*\*Issue is caused because we do not have the initial LE that was sent to the borrower on XXX\*\*\* - Due Diligence Vendor-10/27/2021 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/22/2021 | Ready for Review-Please see other exception for XXX LE - thanks - Seller-11/12/2021 | Resolved-Resolved - Due Diligence Vendor-11/16/2021<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.011578947368421053<br> Qualifying 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> 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_220 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_247 |  | D A | Closed | FPRO1244 | 2021-10-26 18:33 | 2021-11-18 11:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/25/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021<br>| Resolved-Received desk review showing value of $XXX and variance ofXXX%. - Due Diligence Vendor-11/18/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 163 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA | N/A | N/A |
| 500_258 |  | D A | Closed | FPRO1244 | 2021-10-26 18:32 | 2021-11-18 11:51 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/25/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% 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<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_284 |  | D A | Closed | FPRO1244 | 2021-10-26 18:31 | 2021-11-18 11:37 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/25/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/26/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Qualifying 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> 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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV 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 46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA | N/A | N/A |
| 500_249 |  | D A | Closed | FPRO1244 | 2021-10-29 12:28 | 2021-11-18 12:44 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/29/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/25/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/29/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_281 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TN | Investment | Refinance | Cash Out - Other |  |  |
| 500_23 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_171 |  | D A | Closed | FCRE1143 | 2021-10-27 08:58 | 2023-01-09 13:23 | Resolved | 1 - Information A | Credit | Eligibility | HOA is in control of builder | Resolved-HOA is not in control of builder - Due Diligence Vendor-01/20/2022 <br>Rescinded-na - Due Diligence Vendor-10/27/2021 <br>Acknowledged-HOA is in control of builder - Due Diligence Vendor-10/27/2021 |  | Resolved-HOA is not in control of builder - Due Diligence Vendor-01/20/2022 <br>Rescinded-na - Due Diligence Vendor-10/27/2021 <br>Acknowledged-HOA is in control of builder - Due Diligence Vendor-10/27/2021<br>| Qualifying 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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.42% 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 - 8 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.42% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Rate and Term | N/A | N/A |
| 500_171 |  | D A | Closed | FPRO1244 | 2021-10-29 12:28 | 2021-11-18 12:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-10/29/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/27/2021 | Ready for Review-Canopy valuation process - to order product - Seller-10/29/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Qualifying 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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.42% 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 - 8 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.42% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Rate and Term | N/A | N/A |
| 500_244 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_209 |  | D A | Closed | FPRO1244 | 2021-11-01 13:48 | 2021-11-05 08:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/01/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/28/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/01/2021<br>| Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 | 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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.26% 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 - 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 0.02234392113910186<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.26% 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 | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_274 |  | D A | Closed | FPRO1244 | 2021-11-01 13:49 | 2021-11-05 08:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/01/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/28/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/01/2021<br>| Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86 Are Greater Than The Guideline Minimum Of 0 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_305 |  | C A | Closed | FPRO1137 | 2021-11-12 18:54 | 2021-11-16 15:50 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received ASC license effective date. Appraiser's License Cert if good through XXX. ASC site shows updated effective dates of XXX to XXX. - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Document Uploaded. Please review the appraiser's license confirmation beyond XXX per ASC.gov - thank you - Seller-11/12/2021 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraiser license effective date of XXX. Appraisal dated XXX. - Due Diligence Vendor-10/29/2021 <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-10/28/2021 | Ready for Review-Document Uploaded. Please review the appraiser's license confirmation beyond XXX per ASC.gov - thank you - Seller-11/12/2021 | Resolved-Received ASC license effective date. Appraiser's License Cert if good through XXX. ASC site shows updated effective dates of XXX to XXX. - Due Diligence Vendor-11/16/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.67% 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 31 Are Greater Than The Guideline Minimum Of 6 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 |  | XXX appr lic verify.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | IL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 500_207 |  | D A | Closed | FPRO1244 | 2021-11-02 18:49 | 2021-11-05 07:28 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/02/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/29/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/02/2021<br>| Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/05/2021 | 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_232 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Rate and Term |  |  |
| 500_236 |  | A | Closed | FPRO1244 | 2021-10-28 22:48 | 2021-11-04 15:52 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Rescinded-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/29/2021 |  | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Rescinded-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/29/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | SC | Investment | Purchase | NA | N/A | N/A |
| 500_237 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA |  |  |
| 500_241 |  | D A | Closed | FPRO1244 | 2021-11-01 13:50 | 2021-11-04 16:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/01/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-10/29/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/01/2021<br>| Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 | Qualifying 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 The Guideline Minimum XXX, Qualifying FICO Of XXX is Greater Than The Guideline Minimum.<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09024258760107817<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Final 1003 see page 42 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA | N/A | N/A |
| 500_210 |  | D A | Closed | FPRO1244 | 2021-10-31 23:31 | 2021-11-04 15:39 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2021 |  | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.12% 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 74.92% Is Below The Guideline Maximum Of 90% 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 0.13901174775351732<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.92% 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 XXX 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 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_245 |  | D A | Closed | FPRO1137 | 2021-11-12 19:03 | 2021-11-17 12:53 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Updated ASC License verification received. Cert in file indicates license was good through XXX, appears to have been renewed from XXX to XXX. - Due Diligence Vendor-11/17/2021 <br> Ready for Review-Document Uploaded. Please review the appraiser's updated license information from ASC.gov - thank you - Seller-11/13/2021 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraiser's license effective date of XXX. Appraisal dated XXX. - Due Diligence Vendor-11/05/2021 <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-11/01/2021 | Ready for Review-Document Uploaded. Please review the appraiser's updated license information from ASC.gov - thank you - Seller-11/13/2021<br>| Resolved-Updated ASC License verification received. Cert in file indicates license was good through XXX, appears to have been renewed from XXX to XXX. - Due Diligence Vendor-11/17/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - <br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX appr lic verify.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | IL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_245 |  | D A | Closed | FPRO1244 | 2021-11-09 15:12 | 2021-11-16 16:27 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received ASC confirmation license still active. Per Cert in file, license was good through XXX, ASC now shows active from XXX to XXX. - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/09/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/09/2021<br>| Resolved-Received ASC confirmation license still active. Per Cert in file, license was good through XXX, ASC now shows active from XXX to XXX. - Due Diligence Vendor-11/16/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - <br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.14% 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 | IL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_121 |  | D A | Closed | FPRO1244 | 2021-11-03 15:39 | 2021-11-04 15:04 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/03/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/03/2021<br>| Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.91 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_123 |  | A | Closed | FPRO1244 | 2021-10-31 23:32 | 2021-11-04 15:16 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Rescinded-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2021 |  | Resolved-Received desk review with a value of $XXX and a variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Rescinded-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2021 | 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV 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 0% 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 98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NJ | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_287 |  | D A | Closed | FPRO1244 | 2021-11-03 15:31 | 2021-11-04 14:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/04/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/03/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/01/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/03/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/04/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% 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 0% 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 81 Are Greater Than The Guideline Minimum Of 12 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 90% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_304 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA |  |  |
| 500_333 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_279 |  | D A | Closed | FPRO1244 | 2021-11-05 19:29 | 2021-11-18 13:09 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/05/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/02/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/05/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Qualifying 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> 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 - 16 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_262 |  | A B | Closed | FCOM1270 | 2022-03-24 18:29 | 2023-01-11 18:37 | Acknowledged | 2 - Non-Material C B | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-Arm disclosure missing. Direction from our Chief Legal Officer, finding Acknowledged and updated to non-material. - Due Diligence Vendor-01/11/2023 <br> Unable to Resolve-received confirmation that Seller agrees with finding, no resolution - Due Diligence Vendor-03/25/2022 <br> Unable to Resolve-Unable to Resolve-Seller agrees with finding, no resolution. - Seller-03/24/2022 <br> Counter-In response to previous question, this would stay as a 3-material and the status will be updated to unable to resolve since it did not meet the initial disclosure timeline and carries liability to the assignee. - Due Diligence Vendor-12/28/2021 <br> Ready for Review-Question on this exception: If we were to provide the ARM disclosure to the borrower if that would clear XXX of any material exception? - Seller-12/27/2021 <br> Open-\*\*\*\*It appears the ARM disclosure was not provided to the borrower within three days of the product switching from fixed to ARM. - Due Diligence Vendor-11/09/2021 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date ARM Disclosure Not Provided Within 3 Days of Application Date The Loan program changed to ARM after application date. - Due Diligence Vendor-11/04/2021 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-11/04/2021 | Unable to Resolve-Unable to Resolve-Seller agrees with finding, no resolution. - Seller-03/24/2022 <br> Ready for Review-Question on this exception: If we were to provide the XXX disclosure to the borrower if that would clear XXX of any material exception? - Seller-12/27/2021 | Acknowledged-XXX disclosure missing. Direction from our Chief Legal Officer, finding Acknowledged and updated to non-material. - Due Diligence Vendor-01/11/2023 | Borrower 1 Has Stable Job Time 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.13% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.13% 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 | WA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| 500_278 |  | D B C A | Closed | FPRO1244 | 2021-11-11 14:25 | 2021-11-19 09:42 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/02/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) 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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.1% 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | DE | Primary Residence | Purchase | NA | N/A | N/A |
| 500_278 |  | D B C A | Closed | FCRE1200 | 2021-11-04 10:43 | 2021-11-17 23:53 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged- - Due Diligence Vendor-11/18/2021 <br> Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Exception approval in file - Due Diligence Vendor-11/04/2021 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) 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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.1% 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | DE | Primary Residence | Purchase | NA | N/A | N/A |
| 500_269 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA |  |  |
| 500_299 |  | D A | Closed | FPRO1244 | 2021-11-08 15:49 | 2021-11-18 13:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/08/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/08/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | 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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV 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 6.95% 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 XXX 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Second Home | Purchase | NA | N/A | N/A |
| 500_322 |  | D A | Closed | FPRO1244 | 2021-11-10 17:56 | 2021-11-18 14:15 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/10/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/03/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/10/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.26% 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 0 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_221 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_103 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NJ | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_181 |  | A | Closed | FCOM1263 | 2021-12-07 11:24 | 2021-12-07 14:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided. Received Right to Cancel. - Due Diligence Vendor-12/07/2021 <br> Ready for Review-Document Uploaded. Please review the dated ROR - thank you. - Seller-12/07/2021 <br> Open-Right of Rescission is Partially Provided \*\*\*It appears the Notice of Right to Rescission (page XXX) is missing the cancel by date. - Due Diligence Vendor-11/05/2021 <br> Open-Right of Rescission is Partially Provided - Due Diligence Vendor-11/05/2021 | Ready for Review-Document Uploaded. Please review the dated XXX - thank you. - Seller-12/07/2021 | Resolved-Right of Rescission is Provided. Received Right to Cancel. - Due Diligence Vendor-12/07/2021<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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 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 - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX ROR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_181 |  | A | Closed | FPRO1244 | 2021-11-19 16:29 | 2021-11-19 16:29 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 |  | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 | 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 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 - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.06% 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 | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_208 |  | C A | Closed | FCOM4154 | 2021-12-01 18:42 | 2021-12-08 16:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | RESPA Missing Application Date Source(s) | Resolved-Received final executed 1003 - Due Diligence Vendor-12/08/2021 <br> Ready for Review-Document Uploaded. Please review the signed Final 1003...With the Initial signed 1003 still outstanding, thank you. - Seller-12/01/2021 <br> Open-Missing signature and date on initial and final 1003 - Due Diligence Vendor-11/05/2021 | Ready for Review-Document Uploaded. Please review the signed Final 1003...With the Initial signed 1003 still outstanding, thank you. - Seller-12/01/2021<br>| Resolved-Received final executed 1003 - Due Diligence Vendor-12/08/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.58% 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 - 7.80 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 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 0.0786750788643533<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.6 Years |  | XXX Final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_208 |  | C A | Closed | finding-3532 | 2021-12-01 19:00 | 2021-12-03 15:33 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*Received proof of initial cd sent electronically - Due Diligence Vendor-12/03/2021 <br> Ready for Review-Document Uploaded. Hello, please review the initial CD being sent on XXX - thank you - Seller-12/02/2021 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*Initial CD received XXX closing on XXX must have 3 days before close <br> - Due Diligence Vendor-11/05/2021 | Ready for Review-Document Uploaded. Hello, please review the initial CD being sent on XXX - thank you - Seller-12/02/2021 | Resolved-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*Received proof of initial cd sent electronically - Due Diligence Vendor-12/03/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.58% 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 - 7.80 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 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 0.0786750788643533<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.6 Years |  | XXX Proof of CD Sent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_208 |  | C A | Closed | finding-3631 | 2021-12-01 19:01 | 2021-12-03 15:33 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved. \*\*Received proof of initial cd sent electronically - Due Diligence Vendor-12/03/2021 <br> Ready for Review-Hello, please review the initial CD being sent on XXX - thank you - Seller-12/02/2021 <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.\*\*\*Initial CD received XXX closing on XXX must have 3 days before close - Due Diligence Vendor-11/08/2021 | Ready for Review-Hello, please review the initial CD being sent on XXX- thank you - Seller-12/02/2021 | Resolved-Resolved. \*\*Received proof of initial cd sent electronically - Due Diligence Vendor-12/03/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.58% 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 - 7.80 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 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 0.0786750788643533<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_208 |  | C A | Closed | finding-3632 | 2021-12-01 19:01 | 2021-12-03 15:33 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved. \*\*Received proof of initial cd delivered electronically - Due Diligence Vendor-12/03/2021 <br>Ready for Review-Please provide clarification on the exception, thank you. - Seller-12/02/2021 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/05/2021 | Ready for Review-Please provide clarification on the exception, thank you. - Seller-12/02/2021<br>| Resolved-Resolved. \*\*Received proof of initial cd delivered electronically - Due Diligence Vendor-12/03/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.58% 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 - 7.80 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 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 0.0786750788643533<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_208 |  | C A | Closed | finding-3634 | 2021-12-01 19:00 | 2021-12-03 15:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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).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). Received proof of initial cd sent electronically - Due Diligence Vendor-12/03/2021 <br> 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/05/2021 <br> Ready for Review-Hello, please review the initial CD being sent on XXX - thank you - Seller-12/02/2021 <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 CD received XXX closing on XXX must have 3 days before close <br> - Due Diligence Vendor-11/08/2021 | Ready for Review-Hello, please review the initial CD being sent on XXX - thank you - Seller-12/02/2021 | 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).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). Received proof of initial cd sent electronically - Due Diligence Vendor-12/03/2021 <br> 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/05/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.58% 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 - 7.80 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 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 0.0786750788643533<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.6 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_28 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 500_270 |  | D A | Closed | FPRO1244 | 2021-11-09 14:53 | 2021-11-18 13:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/09/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/05/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/09/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 0% 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 69.98% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.98% Is Below the Guideline Maximum Of 90% 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 - 10 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_337 |  | D A | Closed | FPRO1244 | 2021-11-09 15:07 | 2021-11-18 13:51 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation product - to order product - Seller-11/09/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/05/2021 | Ready for Review-Canopy valuation product - to order product - Seller-11/09/2021<br>| Resolved-Received desk review showing value of XXX and variance of XXX%. - Due Diligence Vendor-11/18/2021 | Qualifying 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 - 12 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Purchase | NA | N/A | N/A |
| 500_27 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | PA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_310 |  | A | Closed | FCOM1621 | 2021-11-08 14:48 | 2021-11-19 14:34 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved. IEAD received. - Due Diligence Vendor-11/19/2021 <br>Acknowledged-Finding is Non-Material - Due Diligence Vendor-11/18/2021 <br>Open-Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure appears to be missing from the file. Lender to provide.<br> - Due Diligence Vendor-11/08/2021 |  | Resolved-Initial Escrow Account Disclosure is Resolved. IEAD received. - Due Diligence Vendor-11/19/2021 <br>Acknowledged-Finding is Non-Material - Due Diligence Vendor-11/18/2021<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 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 - 19 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 XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_310 |  | A | Closed | FCOM1220 | 2021-11-18 15:10 | 2021-11-19 14:33 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present. DOT received. - Due Diligence Vendor-11/19/2021 <br>Ready for Review-Document Uploaded. Please review the closing package w/ missing docs - thank you. - Seller-11/18/2021 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-11/05/2021 | Ready for Review-Document Uploaded. Please review the closing package w/ missing docs - thank you. - Seller-11/18/2021<br>| Resolved-The Deed of Trust is Present. DOT received. - Due Diligence Vendor-11/19/2021<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 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 - 19 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 XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXX Closing Package.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_310 |  | A | Closed | FCOM1206 | 2021-11-18 15:10 | 2021-11-19 14:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present. Note received. - Due Diligence Vendor-11/19/2021 <br>Ready for Review-Please review the closing package w/ missing docs - thank you. - Seller-11/18/2021 <br>Open-The Note is Missing - Due Diligence Vendor-11/05/2021 | Ready for Review-Please review the closing package w/ missing docs - thank you. - Seller-11/18/2021<br>| Resolved-The Note is Present. Note received. - Due Diligence Vendor-11/19/2021<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 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 - 19 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 XXX By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_338 |  | C A | Closed | finding-3367 | 2021-11-10 14:33 | 2021-11-18 15:16 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The 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.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data 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.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayPLEASE 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.Please note: This test does not validate the content of any list of homeownership counseling organizations. Received confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021 <br>Acknowledged-Finding is Non-Material - Due Diligence Vendor-11/18/2021 <br>Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The 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.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data 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.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayPLEASE 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.Please note: This test does not validate the content of any list of homeownership counseling organizations. Determine if Saturday is a business day for lender - Due Diligence Vendor-11/10/2021 |  | Resolved-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The 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.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data 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.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayPLEASE 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.Please note: This test does not validate the content of any list of homeownership counseling organizations. Received confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021 <br>Acknowledged-Finding is Non-Material - Due Diligence Vendor-11/18/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% 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 106 Are Greater Than The Guideline Minimum Of 0 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<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 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_338 |  | C A | Closed | finding-3515 | 2021-11-16 14:53 | 2021-11-18 15:16 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Received confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please note that Saturday is not considered a business day for XXX - thank you. - Seller-11/16/2021 <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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Determine if Saturday is a business day for lender - Due Diligence Vendor-11/10/2021 | Ready for Review-Please note that Saturday is not considered a business day for XXX XXX - thank you. - Seller-11/16/2021 | Resolved-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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Received confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% 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 106 Are Greater Than The Guideline Minimum Of 0 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<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 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_338 |  | C A | Closed | finding-3631 | 2021-11-16 14:53 | 2021-11-18 15:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved. Received confirmation: not open on Saturdays. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please note that Saturday is not considered a business day for XXX - thank you. - Seller-11/16/2021 <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. Determine if Saturday is a business day for lender - Due Diligence Vendor-11/10/2021 | Ready for Review-Please note that Saturday is not considered a business day for XXX XXX - thank you. - Seller-11/16/2021 | Resolved-Resolved. Received confirmation: not open on Saturdays. - Due Diligence Vendor-11/18/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% 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 106 Are Greater Than The Guideline Minimum Of 0 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<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 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_338 |  | C A | Closed | finding-3632 | 2021-11-16 14:53 | 2021-11-18 15:16 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved. Received confirmation: not open on Saturdays. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please note that Saturday is not considered a business day for XXX - thank you. - Seller-11/16/2021 <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. Determine if Saturday is a business day for lender - Due Diligence Vendor-11/10/2021 | Ready for Review-Please note that Saturday is not considered a business day for XXX XXX - thank you. - Seller-11/16/2021 | Resolved-Resolved. Received confirmation: not open on Saturdays. - Due Diligence Vendor-11/18/2021<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% 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 106 Are Greater Than The Guideline Minimum Of 0 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<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 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_338 |  | C A | Closed | finding-3634 | 2021-11-16 14:53 | 2021-11-18 15:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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).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). Received confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please note that Saturday is not considered a business day for XXX - thank you. - Seller-11/16/2021 <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 $8,029.33.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). Determine if Saturday is a business day for lender - Due Diligence Vendor-11/10/2021 | Ready for Review-Please note that Saturday is not considered a business day for XXX XXX - thank you. - Seller-11/16/2021 | 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).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). Received confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% 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 106 Are Greater Than The Guideline Minimum Of 0 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<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 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_338 |  | C A | Closed | finding-3635 | 2021-11-16 14:53 | 2021-11-18 15:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-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 ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Received confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please note that Saturday is not considered a business day for XXX - thank you. - Seller-11/16/2021 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Determine if Saturday is a business day for lender - Due Diligence Vendor-11/10/2021 | Ready for Review-Please note that Saturday is not considered a business day for XXX XXX - thank you. - Seller-11/16/2021 | Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($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 confirmation of not open on Saturdays. - Due Diligence Vendor-11/18/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% 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 106 Are Greater Than The Guideline Minimum Of 0 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 XXX By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<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 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 500_321 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | GA | Investment | Purchase | NA |  |  |
| 500_343 |  | D A | Closed | FPRO1244 | 2021-11-10 17:55 | 2021-11-17 17:07 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/10/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/08/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/10/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 Are Greater Than The Guideline Minimum Of 0 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 XXX 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_199 |  | C A | Closed | finding-3515 | 2021-11-17 15:33 | 2021-11-18 13:05 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-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 $XXX, 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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Initial LE and Service provider's list received - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Document Uploaded. Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021 <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 $XXX, 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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. \*\*\*It appears that initial LE may not have been included in the file. Application date XXX. Earliest loan estimate in file was from XXX not within the 3 business days from application making it invalid for compliance purposes - Due Diligence Vendor-11/10/2021 | Ready for Review-Document Uploaded. Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021<br>| Resolved-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 $XXX, 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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Initial LE and Service provider's list received - Due Diligence Vendor-11/18/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.23% 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 - 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 - 12 Years |  | XXX Z Documents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA | N/A | N/A |
| 500_199 |  | C A | Closed | finding-3631 | 2021-11-17 15:34 | 2021-11-18 13:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved. Initial LE received. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021 <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. \*\*\*It appears that initial LE may not have been included in the file. Application date xXX. Earliest loan estimate in file was from XXX not within the 3 business days from application making it invalid for compliance purposes - Due Diligence Vendor-11/10/2021 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2021 | Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021<br>| Resolved-Resolved. Initial LE received. - Due Diligence Vendor-11/18/2021<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.23% 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 - 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 - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA | N/A | N/A |
| 500_199 |  | C A | Closed | finding-3632 | 2021-11-17 15:34 | 2021-11-18 13:05 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved. Initial LE received. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021 <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. \*\*\*It appears that initial LE may not have been included in the file. Application date XXX. Earliest loan estimate in file was from XXX not within the 3 business days from application making it invalid for compliance purposes - Due Diligence Vendor-11/10/2021 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2021 | Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021<br>| Resolved-Resolved. Initial LE received. - Due Diligence Vendor-11/18/2021<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.23% 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 - 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 - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA | N/A | N/A |
| 500_199 |  | C A | Closed | finding-3634 | 2021-11-17 15:34 | 2021-11-18 13:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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).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 received. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*It appears that initial LE may not have been included in the file. Application date XXX. Earliest loan estimate in file was from XXX not within the 3 business days from application making it invalid for compliance purposes - Due Diligence Vendor-11/10/2021 | Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021<br>| 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).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 received. - Due Diligence Vendor-11/18/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.23% 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 - 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 - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA | N/A | N/A |
| 500_199 |  | C A | Closed | finding-3635 | 2021-11-17 15:33 | 2021-11-18 13:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Initial LE received. - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*It appears that initial LE may not have been included in the file. Application date XXX. Earliest loan estimate in file was from XXX not within the 3 business days from application making it invalid for compliance purposes - Due Diligence Vendor-11/10/2021 | Ready for Review-Please review the initial LE that was sent to the borrower - thank you. - Seller-11/17/2021<br>| Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Initial LE received. - Due Diligence Vendor-11/18/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.23% 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 - 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 - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA | N/A | N/A |
| 500_199 |  | C A | Closed | FCOM1797 | 2021-11-17 19:13 | 2021-11-18 13:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial LE and Service provider's list received - Due Diligence Vendor-11/18/2021 <br>Ready for Review-Please review LE for other exceptions with service provider list - thank you - Seller-11/18/2021 <br>Open-It appears that the service providers list is missing - Due Diligence Vendor-11/10/2021 | Ready for Review-Please review LE for other exceptions with service provider list - thank you - Seller-11/18/2021<br>| Resolved-Initial LE and Service provider's list received - Due Diligence Vendor-11/18/2021<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.23% 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 - 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 - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA | N/A | N/A |
| 500_199 |  | C A | Closed | FCOM1266 | 2021-11-09 12:42 | 2021-11-18 13:00 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-HOMEOWNERSHIP COUNSELING DISCLOSURE received - Due Diligence Vendor-11/18/2021 <br>Acknowledged-Finding is Non-Material - Due Diligence Vendor-11/18/2021 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-11/09/2021 |  | Resolved-XXX DISCLOSURE received - Due Diligence Vendor-11/18/2021 <br> Acknowledged-Finding is Non-Material - Due Diligence Vendor-11/18/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.23% 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 - 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 - 12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CT | Primary Residence | Purchase | NA | N/A | N/A |
| 500_312 |  | D A | Closed | FCOM1229 | 2021-11-12 19:19 | 2021-11-16 16:49 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Received DOT with Riders - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Please review the closing package which contains the docs for the exception. Thank you. - Seller-11/13/2021 <br> Open-XXX Rider is Missing Deed of Trust and Riders are missing from file - Due Diligence Vendor-11/09/2021 | Ready for Review-Please review the closing package which contains the docs for the exception. Thank you. - Seller-11/13/2021<br>| Resolved-Received DOT with Riders - Due Diligence Vendor-11/16/2021<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_312 |  | D A | Closed | FCOM1220 | 2021-11-12 19:19 | 2021-11-16 16:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present, received - Due Diligence Vendor-11/16/2021 <br>Ready for Review-Document Uploaded. Please review the closing package which contains the docs for the exception. Thank you. - Seller-11/13/2021 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-11/09/2021 | Ready for Review-Document Uploaded. Please review the closing package which contains the docs for the exception. Thank you. - Seller-11/13/2021<br>| Resolved-The Deed of Trust is Present, received - Due Diligence Vendor-11/16/2021<br>|  |  | XXX Closing Package.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_312 |  | D A | Closed | FCOM1206 | 2021-11-12 19:19 | 2021-11-16 16:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present. Received - Due Diligence Vendor-11/16/2021 <br>Ready for Review-Please review the closing package which contains the docs for the exception. Thank you. - Seller-11/13/2021 <br>Open-The Note is Missing - Due Diligence Vendor-11/09/2021 | Ready for Review-Please review the closing package which contains the docs for the exception. Thank you. - Seller-11/13/2021<br>| Resolved-The Note is Present. Received - Due Diligence Vendor-11/16/2021<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_326 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 500_352 |  | D A | Closed | FPRO1244 | 2021-11-11 14:26 | 2021-11-17 17:02 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021<br>| Resolved-Received desk review showing value of $XXX and variance ofXXX%. - Due Diligence Vendor-11/17/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_352 |  | D A | Closed | FCOM1220 | 2021-11-15 13:59 | 2021-11-17 15:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-Mortgage and riders received - Due Diligence Vendor-11/17/2021 <br>Ready for Review-Document Uploaded. Please review closing package for Note and DOT - thank you. - Seller-11/15/2021 <br>Open- - Due Diligence Vendor-11/09/2021 | Ready for Review-Document Uploaded. Please review closing package for Note and DOT - thank you. - Seller-11/15/2021<br>| Resolved-Mortgage and riders received - Due Diligence Vendor-11/17/2021<br>|  |  | XXX Closing Package.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_352 |  | D A | Closed | FCOM1206 | 2021-11-15 14:00 | 2021-11-17 15:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-Note received - Due Diligence Vendor-11/17/2021 <br>Ready for Review-Please review closing package for note and DOT - thank you - Seller-11/15/2021 <br>Open- - Due Diligence Vendor-11/09/2021 | Ready for Review-Please review closing package for note and DOT - thank you - Seller-11/15/2021<br>| Resolved-Note received - Due Diligence Vendor-11/17/2021<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_471 |  | D A | Closed | FPRO1244 | 2021-11-11 14:25 | 2021-11-17 16:53 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/09/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_234 |  | D A | Closed | FPRO1244 | 2021-11-11 14:29 | 2021-11-17 16:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/10/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/11/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX0%. - Due Diligence Vendor-11/17/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Purchase | NA | N/A | N/A |
| 500_280 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA |  |  |
| 500_300 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | AZ | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| 500_371 |  | D A C | Closed | FCRE1168 | 2021-11-16 18:52 | 2021-11-19 09:24 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Confirmed sufficient replacement cost coverage in evidence per insurer's anticipated cost to rebuild. - Due Diligence Vendor-11/19/2021 <br> Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you. - Seller-11/16/2021 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-11/10/2021 | Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you. - Seller-11/16/2021<br>| Resolved-Confirmed sufficient replacement cost coverage in evidence per insurer's anticipated cost to rebuild. - Due Diligence Vendor-11/19/2021<br>|  |  | XXX XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | UT | Investment | Purchase | NA | N/A | N/A |
| 500_371 |  | D A C | Closed | FPRO1244 | 2021-11-12 13:39 | 2021-11-17 16:03 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 <br> Ready for Review-Canopy valuation - to order product - Seller-11/12/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/10/2021 | Ready for Review-Canopy valuation - to order product - Seller-11/12/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | UT | Investment | Purchase | NA | N/A | N/A |
| 500_309 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | WA | Investment | Refinance | Cash Out - Other |  |  |
| 500_475 |  | D A | Closed | FPRO1244 | 2021-11-15 12:34 | 2021-11-17 15:46 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/15/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/11/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/15/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/17/2021 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12176<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 346 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 34 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.5% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_342 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_345 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | MD | Primary Residence | Purchase | NA |  |  |
| 500_357 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_21 |  | C B A | Closed | FCRE1197 | 2021-12-07 11:18 | 2021-12-09 06:56 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Confirmed Investor Exception granted to consider as XXX Credit Grade with most recent FICO of XXX. - Due Diligence Vendor-12/09/2021 <br> Ready for Review-Document Uploaded. Please review ULAW for exception - thank you - Seller-12/07/2021 <br> Counter-Original credit report was still valid at the time of closing, and final approval states approved as XXX Credit Grade, with a XXX FICO. If an Exception was granted to allow for use of earlier credit report rather than most recent-or to allow for XXX point FICO variance- a copy of same must be provided for the loan file. - Due Diligence Vendor-11/23/2021 <br> Ready for Review-Document Uploaded. Please review earlier credit report with higher median score - thank you - Seller-11/18/2021 <br> Open-Audited FICO of XXX is less than Guideline FICO of XXX XXX is mid-score per only CBR in file, dated 10/27/2021 - Due Diligence Vendor-11/16/2021 | Ready for Review-Document Uploaded. Please review ULAW for exception - thank you - Seller-12/07/2021 <br> Ready for Review-Document Uploaded. Please review earlier credit report with XXX score - thank you - Seller-11/18/2021 | Acknowledged-Confirmed Investor Exception granted to consider as XXX Credit Grade with most recent FICO of XXX. - Due Diligence Vendor-12/09/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | XXX Lender Credit Report.pdf<br> XXX Underwriting Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_276 |  | D A | Closed | FPRO1244 | 2021-11-17 12:08 | 2021-11-19 15:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/15/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV 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 115 Are Greater Than The Guideline Minimum Of 0 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 - 18 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA | N/A | N/A |
| 500_365 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_223 |  | D A | Closed | FPRO1244 | 2021-11-17 12:07 | 2021-11-19 09:59 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/16/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 | 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 0 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 - 27 Years<br>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 797 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | SC | Investment | Purchase | NA | N/A | N/A |
| 500_344 |  | D A | Closed | FPRO1244 | 2021-11-17 12:08 | 2021-11-19 13:54 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/16/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.79% 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 - 30 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 500_362 |  | D A | Closed | FPRO1244 | 2021-11-17 17:51 | 2021-11-19 10:08 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/16/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021<br>| Resolved-Received desk review showing value of $XX and variance of XXX%. - Due Diligence Vendor-11/19/2021 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_362 |  | D A | Closed | FPRO7466 | 2021-11-17 17:50 | 2021-11-19 10:07 | Resolved | 1 - Information A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is XXX and Post-Close Reviewed Appraised Property Value Variance is XXX%) - Due Diligence Vendor-11/19/2021 <br> Rescinded-na - Due Diligence Vendor-11/18/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021 <br> Open-AVM Value(s) Do Not Adhere To Tolerance Criteria (AVM Confidence Score is 81 and Post-Close Reviewed Appraised Property Value Variance is -22.14%) - Due Diligence Vendor-11/16/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/17/2021<br>| Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 0%) - Due Diligence Vendor-11/19/2021 <br>Rescinded-na - Due Diligence Vendor-11/18/2021<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_164 |  | D A | Closed | FPRO1244 | 2021-11-16 21:37 | 2021-11-19 15:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/17/2021 |  | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/19/2021 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 673 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 500_273 |  | D A | Closed | FPRO1244 | 2021-11-22 11:23 | 2021-11-23 09:17 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-11/23/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/22/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/18/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/22/2021<br>| Resolved-Received desk review showing value of $XXX0 and variance of XXX%. - Due Diligence Vendor-11/23/2021 | 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 - 18 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | UT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_324 |  | D A | Closed | FPRO1244 | 2021-11-22 11:24 | 2021-11-30 10:38 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-11/30/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/22/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/18/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/22/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-11/30/2021 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 635 is Greater Than The Guideline Minimum Of 600 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 - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | UT | Investment | Purchase | NA | N/A | N/A |
| 500_180 |  | D A | Closed | FPRO1244 | 2021-11-23 13:37 | 2021-12-01 16:39 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-12/01/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/23/2021 <br> Open-Third party product missing from loan file. Third party product ordered... - Due Diligence Vendor-11/23/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/23/2021<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-12/01/2021 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CO | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_347 |  | D A | Closed | FPRO1244 | 2021-11-24 16:58 | 2021-12-02 09:20 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/24/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/23/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/24/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55 Are Greater Than The Guideline Minimum Of 0 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 - 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_260 |  | D A | Closed | FPRO1244 | 2021-11-29 11:45 | 2021-12-02 08:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 <br> Ready for Review-Please RUSH! Canopy valuation process - to order product - Seller-11/29/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/23/2021 <br> Open- - Due Diligence Vendor-11/23/2021 | Ready for Review-Please RUSH! Canopy valuation process - to order product - Seller-11/29/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 750 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 - 21 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.34% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.34% 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 0.011142857142857144<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.79% 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 500_364 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA |  |  |
| 500_368 |  | D A | Closed | FPRO1244 | 2021-11-30 16:35 | 2021-12-02 08:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-11/30/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/23/2021 | Ready for Review-Canopy valuation process - to order product - Seller-11/30/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% 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 159 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 674 is Greater Than The Guideline Minimum Of 650 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA | N/A | N/A |
| 500_235 |  | D B C A | Closed | FCRE1200 | 2021-12-01 15:55 | 2021-12-03 14:22 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Exception Approval provided in original package to allow for loan amount outside of program parameters. - Due Diligence Vendor-12/03/2021 <br> Ready for Review-Document Uploaded. Please review the ULAW for loan amt exception - thank you - Seller-12/01/2021 <br> Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX - Due Diligence Vendor-11/29/2021 | Ready for Review-Document Uploaded. Please review the ULAW for loan amt exception - thank you - Seller-12/01/2021<br>| Acknowledged-Exception Approval provided in original package to allow for loan amount outside of program parameters. - Due Diligence Vendor-12/03/2021<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 725 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XXX Underwriting Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_235 |  | D B C A | Closed | FPRO1244 | 2021-12-01 15:52 | 2021-12-02 08:28 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/01/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/29/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/01/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 725 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_355 |  | D A | Closed | FPRO1244 | 2021-12-01 15:55 | 2021-12-02 08:17 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/01/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/29/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/01/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/02/2021 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.76% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.76% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_307 |  | C A | Closed | finding-2504 | 2022-04-06 15:19 | 2022-04-07 15:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- Received PCCD - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Document Uploaded. Please review PCCD: XXX Fee and XXX fees were marked and Updated with revised PCCD per QC - thank you. - Seller-04/06/2022 <br> Counter-Received response that XXX uses XXX days in calculating the finance charges. However, the explanation does not resolve the finding. Also received the Loan Detail Report and after reviewing the Prepaid Finance Charges, it appears that the XXX Fee and the XXX Fee were not included as part of the finance charges. - Due Diligence Vendor-02/04/2022 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-12/01/2021 <br> Ready for Review-Document Uploaded. XXX uses XXX days in calculating finance charges, LE is attached. Thank you. - Seller-02/01/2022 <br> Counter-Please provide the lender's complete report/breakdown of finance charge calculations for review. - Due Diligence Vendor-01/22/2022 <br> Ready for Review-Document Uploaded. Please confirm how you calculated the finance charges. Did you use XXX days? Acra used XXX days in our calculations, thank you. - Seller-01/20/2022 <br> Counter-Refund of the understated TILA amount would remedy the finding. - Due Diligence Vendor-01/03/2022 <br> Ready for Review-Hello, can you please confirm that the difference and cure of $XXX will clear all of the exceptions on this loan? <br>Thank you. - Seller-12/29/2021 <br> Counter-Document Uploaded. Compliance Ease report appended - Due Diligence Vendor-12/07/2021 <br> Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021 | Ready for Review-Document Uploaded. Please review PCCD: XXX Fee and XXX fees were marked and Updated with revised PCCD per QC - thank you. - Seller-04/06/2022 <br> Ready for Review-Document Uploaded. XXX uses XXX days in calculating finance charges, LE is attached. Thank you. - Seller-02/01/2022 <br> Ready for Review-Document Uploaded. Please confirm how you calculated the finance charges. Did you use XXX days? XXX used XXX days in our calculations, thank you. - Seller-01/20/2022 <br> Ready for Review-Hello, can you please confirm that the difference and cure of $XXX will clear all of the exceptions on this loan? <br>Thank you. - Seller-12/29/2021 <br> Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021 | Resolved- Received PCCD - Due Diligence Vendor-04/07/2022<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 Years Final 1003 P. 38<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months The client available reserve, Greater Than Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 52.8% Is Below The Guideline Maximum <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 - 24.42 Years Final 1003 P.38<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 The Guideline Maximum Of 80%, Original LTV Of 52.8% Is Below The Guideline Maximum <br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Than The Guideline Minimum Of 750, Qualifying FICO Of 774 is Greater Than The Guideline Minimum<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More The Guideline Maximum Of 50%, Calculated DTI Of 10.09% Is Less Than The Guideline Maximum<br>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 0.14235038084874865<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Final 1003 P.38 |  | GQM0HLBS8Yv14-full.pdf<br> GQM0HLBS8Yv15-full.pdf<br> XXX FC calcls.pdf<br> XXX C Documents_3.pdf<br> XXX Post Close CD.pdf<br> XXX Proof of CD Sent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_307 |  | C A | Closed | finding-3732 | 2022-04-07 14:28 | 2022-04-07 15:27 | Resolved | 1 - Information A | Compliance | TRID | TRID Total of Payments Test | Resolved- Received PCCD - Due Diligence Vendor-04/07/2022 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1))The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/07/2022 |  | Resolved- Received PCCD - Due Diligence Vendor-04/07/2022<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 Years Final 1003 P. 38<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months The client available reserve, Greater Than Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 52.8% Is Below The Guideline Maximum <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 - 24.42 Years Final 1003 P.38<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 The Guideline Maximum Of 80%, Original LTV Of 52.8% Is Below The Guideline Maximum <br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Than The Guideline Minimum Of 750, Qualifying FICO Of 774 is Greater Than The Guideline Minimum<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More The Guideline Maximum Of 50%, Calculated DTI Of 10.09% Is Less Than The Guideline Maximum<br>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 0.14235038084874865<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Final 1003 P.38 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_307 |  | C A | Closed | finding-3734 | 2022-04-07 14:28 | 2022-04-07 15:27 | Resolved | 1 - Information A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved- Received PCCD - Due Diligence Vendor-04/07/2022 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $XXX. The disclosed total of payments charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/07/2022 |  | Resolved- Received PCCD - Due Diligence Vendor-04/07/2022<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 Years Final 1003 P. 38<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months The client available reserve, Greater Than Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 52.8% Is Below The Guideline Maximum <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 - 24.42 Years Final 1003 P.38<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 The Guideline Maximum Of 80%, Original LTV Of 52.8% Is Below The Guideline Maximum <br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Than The Guideline Minimum Of 750, Qualifying FICO Of 774 is Greater Than The Guideline Minimum<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More The Guideline Maximum Of 50%, Calculated DTI Of 10.09% Is Less Than The Guideline Maximum<br>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 0.14235038084874865<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Final 1003 P.38 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_307 |  | C A | Closed | finding-651 | 2021-12-02 19:45 | 2022-02-04 13:56 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Rescinded-n/a - Due Diligence Vendor-02/04/2022 <br> Resolved-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/01/2021 <br> Counter-Document Uploaded. Compliance Ease report appended - Due Diligence Vendor-12/07/2021 <br> Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021 | Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021<br>| Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Rescinded-n/a - Due Diligence Vendor-02/04/2022 <br> Resolved-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/01/2021 | 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 Years Final 1003 P. 38<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months The client available reserve, Greater Than Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 52.8% Is Below The Guideline Maximum <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 - 24.42 Years Final 1003 P.38<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 The Guideline Maximum Of 80%, Original LTV Of 52.8% Is Below The Guideline Maximum <br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Than The Guideline Minimum Of 750, Qualifying FICO Of 774 is Greater Than The Guideline Minimum<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More The Guideline Maximum Of 50%, Calculated DTI Of 10.09% Is Less Than The Guideline Maximum<br>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 0.14235038084874865<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Final 1003 P.38 |  | GQM0HLBS8Yv15-full.pdf<br>GQM0HLBS8Yv14-full.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_307 |  | C A | Closed | finding-3719 | 2021-12-02 19:45 | 2022-02-04 13:56 | Resolved | 1 - Information A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Rescinded-n/a - Due Diligence Vendor-02/04/2022 <br> Resolved-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/01/2021 <br> Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Counter-Document Uploaded. Compliance Ease report appended - Due Diligence Vendor-12/07/2021 <br> Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021 | Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021<br>| Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Rescinded-n/a - Due Diligence Vendor-02/04/2022 <br> Resolved-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/01/2021 <br> Resolved-Resolved - Due Diligence Vendor-02/04/2022 | 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 Years Final 1003 P. 38<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months The client available reserve, Greater Than Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 52.8% Is Below The Guideline Maximum <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 - 24.42 Years Final 1003 P.38<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 The Guideline Maximum Of 80%, Original LTV Of 52.8% Is Below The Guideline Maximum <br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Than The Guideline Minimum Of 750, Qualifying FICO Of 774 is Greater Than The Guideline Minimum<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More The Guideline Maximum Of 50%, Calculated DTI Of 10.09% Is Less Than The Guideline Maximum<br>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 0.14235038084874865<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Final 1003 P.38 |  | GQM0HLBS8Yv14-full.pdf<br>GQM0HLBS8Yv15-full.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_307 |  | C A | Closed | finding-3721 | 2021-12-02 19:45 | 2022-02-04 13:56 | Resolved | 1 - Information A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Rescinded-n/a - Due Diligence Vendor-02/04/2022 <br> Resolved-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-12/01/2021 <br> Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Counter-Document Uploaded. Compliance Ease report appended - Due Diligence Vendor-12/07/2021 <br> Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021 | Ready for Review-In anticipation of QC's request, please provide finance charge calculations. Thank you. - Seller-12/03/2021<br>| Resolved-Resolved - Due Diligence Vendor-02/04/2022 <br> Rescinded-n/a - Due Diligence Vendor-02/04/2022 <br> Resolved-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-12/01/2021 <br> Resolved-Resolved - Due Diligence Vendor-02/04/2022 | 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 Years Final 1003 P. 38<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months The client available reserve, Greater Than Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 52.8% Is Below The Guideline Maximum <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 - 24.42 Years Final 1003 P.38<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 The Guideline Maximum Of 80%, Original LTV Of 52.8% Is Below The Guideline Maximum <br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Than The Guideline Minimum Of 750, Qualifying FICO Of 774 is Greater Than The Guideline Minimum<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More The Guideline Maximum Of 50%, Calculated DTI Of 10.09% Is Less Than The Guideline Maximum<br>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 0.14235038084874865<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Final 1003 P.38 |  | GQM0HLBS8Yv14-full.pdf<br>GQM0HLBS8Yv15-full.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_307 |  | C A | Closed | FCRE1168 | 2021-12-15 11:40 | 2021-12-16 10:03 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Confirmed sufficient replacement coverage in effect per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/16/2021 <br> Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you. - Seller-12/15/2021 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX Please provide Replacement Cost Estimator Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) - Due Diligence Vendor-11/30/2021 | Ready for Review-Document Uploaded. Please review the RCE from the Ins Agent - thank you. - Seller-12/15/2021<br>| Resolved-Confirmed sufficient replacement coverage in effect per insurer's anticipated cost to rebuild. - Due Diligence Vendor-12/16/2021<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 Years Final 1003 P. 38<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months The client available reserve, Greater Than Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.8% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More The Guideline Maximum Of 80%, Original CLTV Of 52.8% Is Below The Guideline Maximum <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 - 24.42 Years Final 1003 P.38<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 The Guideline Maximum Of 80%, Original LTV Of 52.8% Is Below The Guideline Maximum <br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points Than The Guideline Minimum Of 750, Qualifying FICO Of 774 is Greater Than The Guideline Minimum<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 10.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More The Guideline Maximum Of 50%, Calculated DTI Of 10.09% Is Less Than The Guideline Maximum<br>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 0.14235038084874865<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years Final 1003 P.38 |  | XXX report (5).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_318 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 500_336 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_373 |  | D A | Closed | FPRO1244 | 2021-12-03 14:53 | 2021-12-17 16:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/03/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-11/30/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/03/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/17/2021 | 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 777 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 284 Are Greater Than The Guideline Minimum Of 0 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 0.03633233532934132<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.78% 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 | CA | Second Home | Purchase | NA | N/A | N/A |
| 500_346 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | UT | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_351 |  | D A | Closed | FPRO1244 | 2021-12-06 11:52 | 2021-12-17 16:44 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/01/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/06/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/17/2021 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<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 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.45% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.45% 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 0.03528571428571429<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | UT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_360 |  | D A | Closed | FPRO1244 | 2021-12-07 11:25 | 2021-12-17 16:20 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/17/2021 <br> Ready for Review-Canopy valuation process - to order product - Seller-12/07/2021 <br> Open-3rd party value missing and ordered from vendor. - Due Diligence Vendor-12/07/2021 | Ready for Review-Canopy valuation process - to order product - Seller-12/07/2021<br>| Resolved-Received desk review showing value of $XXX and variance of XXX%. - Due Diligence Vendor-12/17/2021 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.10 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 815 is Greater Than The Guideline Minimum Of 750 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA | N/A | N/A |
| 500_370 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 500_361 |  | D B A C | Closed | FPRO1244 | 2022-02-28 12:43 | 2022-03-07 10:33 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-02/28/2022 <br> Open- - Due Diligence Vendor-02/24/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-02/28/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% 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 782 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_361 |  | D B A C | Closed | FCOM1252 | 2022-02-28 13:46 | 2022-03-01 15:55 | Resolved | 1 - Information A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 <br> Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 <br> Open-\*\*\*It appears the Initial loan estimate is missing - Due Diligence Vendor-02/28/2022 | Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% 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 782 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_361 |  | D B A C | Closed | finding-3634 | 2022-02-28 13:47 | 2022-03-01 15:54 | Resolved | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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).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). \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 <br> Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 <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). \*\*\*\*It appears the initial LE is missing. Disclosure tracking page XXX indicates the LE was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 | 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_361 |  | D B A C | Closed | finding-3635 | 2022-02-28 13:46 | 2022-03-01 15:54 | Resolved | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 <br> Ready for Review-Document Uploaded. Please review the XXX LE - thank you. - Seller-02/28/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*\*It appears the initial LE is missing. Disclosure tracking page 566 indicates the LE was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-Document Uploaded. Please review the XXX LE - thank you. - Seller-02/28/2022 | Resolved-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($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 Initial CD - Due Diligence Vendor-03/01/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% 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 782 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  | XXX Z Documents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_361 |  | D B A C | Closed | finding-3515 | 2022-02-28 13:47 | 2022-03-01 15:54 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 <br> Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 <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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. \*\*\*\*It appears the initial LE is missing. Disclosure tracking page XXX indicates the LE was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 | Resolved-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 $XXX, 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:As not being open on SundayPLEASE 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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% 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 782 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_361 |  | D B A C | Closed | finding-3631 | 2022-02-28 13:47 | 2022-03-01 15:54 | Resolved | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved. \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 <br> Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 <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-02/28/2022 <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. \*\*\*\*It appears the initial LE is missing. Disclosure tracking page XXX indicates the LE was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 | Resolved-Resolved. \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% 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 782 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_361 |  | D B A C | Closed | finding-3632 | 2022-02-28 13:47 | 2022-03-01 15:54 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved. \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022 <br> Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 <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-02/28/2022 <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. \*\*\*\*It appears the initial LE is missing. Disclosure tracking page XXX indicates the LE was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-The XXX LE was uploaded on the other exception - thank you. - Seller-02/28/2022 | Resolved-Resolved. \*\*\*Received Initial CD - Due Diligence Vendor-03/01/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.53% 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 782 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | GA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_320 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA |  |  |
| 500_275 |  | C A | Closed | FCOM1252 | 2022-02-28 15:06 | 2022-03-01 12:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved- - Due Diligence Vendor-03/01/2022 <br> Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 <br> Open-\*\*\*it appears the Initial LE is missing - Due Diligence Vendor-02/28/2022 | Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 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 69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_275 |  | C A | Closed | finding-3632 | 2022-02-28 15:07 | 2022-03-01 12:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-03/01/2022 <br> Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 <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. \*\*\*It appears the Initial LE is missing. Disclosure Tracking page XXX indicates a disclosure was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 | Resolved-Resolved - Due Diligence Vendor-03/01/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 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 69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_275 |  | C A | Closed | finding-3634 | 2022-02-28 15:07 | 2022-03-01 12:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 <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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*It appears the Initial LE is missing. Disclosure Tracking page 384 indicates a disclosure was issued on 9/9/21. - Due Diligence Vendor-02/28/2022 | Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_275 |  | C A | Closed | finding-3635 | 2022-02-28 15:06 | 2022-03-01 12:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Ready for Review-Document Uploaded. Please review the XXX LE - thank you. - Seller-02/28/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($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). \*\*\*It appears the Initial LE is missing. Disclosure Tracking page XXX indicates a disclosure was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-Document Uploaded. Please review the XXX LE - thank you. - Seller-02/28/2022 |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 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 69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXX Z Documents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_275 |  | C A | Closed | finding-3515 | 2022-02-28 15:07 | 2022-03-01 12:41 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 <br> Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 <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 $XXX, 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. \*\*\*It appears the Initial LE is missing. Disclosure Tracking page XXX indicates a disclosure was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 <br> Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 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 69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_275 |  | C A | Closed | finding-3631 | 2022-02-28 15:07 | 2022-03-01 12:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-03/01/2022 <br> Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 <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. \*\*\*It appears the Initial LE is missing. Disclosure Tracking page XXX indicates a disclosure was issued on XXX. - Due Diligence Vendor-02/28/2022 | Ready for Review-Please review the XXX LE - thank you. - Seller-02/28/2022 | Resolved-Resolved - Due Diligence Vendor-03/01/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 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 69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_275 |  | C A | Closed | FCOM1266 | 2022-02-28 14:55 | 2022-03-01 12:38 | 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-03/01/2022 <br>Acknowledged-\*\*\*Client agrees with finding and claims non-material. - Due Diligence Vendor-03/01/2022 <br>Ready for Review-Exception is a grade 2 - Seller-02/28/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/24/2022 | Ready for Review-Exception is a grade 2 - Seller-02/28/2022<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/01/2022 <br>Acknowledged-\*\*\*Client agrees with finding and claims non-material. - Due Diligence Vendor-03/01/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 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 69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_478 |  | D A | Closed | FPRO1244 | 2022-03-01 11:17 | 2022-03-07 11:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/01/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/01/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.03% 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 53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 500_35 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_38 |  | D A | Closed | FPRO1244 | 2022-03-02 14:57 | 2022-03-07 12:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/02/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/02/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.19% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.19% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 500_41 |  | D A | Closed | FPRO1244 | 2022-03-02 14:57 | 2022-03-07 12:52 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/02/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/02/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.53% 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 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% 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 704 is Greater Than The Guideline Minimum Of 675 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_380 |  | D A | Closed | FPRO1244 | 2022-03-02 14:58 | 2022-03-07 12:54 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/02/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/02/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_393 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_413 |  | D A | Closed | FPRO1244 | 2022-03-03 13:55 | 2022-03-07 13:04 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 <br> Ready for Review- Canopy valuation process - to order product. - Seller-03/03/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-02/28/2022 | Ready for Review- Canopy valuation process - to order product. - Seller-03/03/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-03/07/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 750 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) 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 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 37.71% 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 | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 500_412 |  | D A C | Closed | FCRE1201 | 2022-03-03 17:49 | 2022-03-04 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Items flagged included identity due to ITIN program, no true discrepancy present. Value confirmed with third party review. Income verified according to program guidelines. No additional documentation required. - Due Diligence Vendor-03/04/2022 <br>Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-03/03/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/03/2022 | Ready for Review-Document Uploaded. Please review the Fraud Report - thank you. - Seller-03/03/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Items flagged included identity due to ITIN program, no true discrepancy present. Value confirmed with third party review. Income verified according to program guidelines. No additional documentation required. - Due Diligence Vendor-03/04/2022<br>|  |  | XXX DataV Fraud Reporting.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 500_397 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 500_418 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 500_428 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CO | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_439 |  | D A | Closed | FCRE6019 | 2022-03-29 11:16 | 2022-12-14 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/14/2022 <br> Resolved-Verification of work authorization and citizenship status provided as a non-permanent resident alien. Investor guidelines have been met. - Due Diligence Vendor-03/29/2022 <br> Ready for Review-Document Uploaded. Please review the XXX - thank you. - Seller-03/29/2022 <br> Counter-XXX andXXX which states XXX are not sufficient to confirm PRA status- please provide a copy of appropriate federally-issued ID to confirm legal status as outlined in investor guidelines. - Due Diligence Vendor-03/15/2022 <br> Ready for Review-Document Uploaded. Please review the ID's for the borrower as a permanent resident alien - thank you. - Seller-03/14/2022 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/04/2022 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/04/2022 | Ready for Review-Document Uploaded. Please review the borrower's work auth card - thank you. - Seller-03/29/2022 <br> Ready for Review-Document Uploaded. Please review the ID's for the borrower as a XXX - thank you. - Seller-03/14/2022 | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/14/2022 <br> Resolved-Verification of work authorization and citizenship status provided as a non-permanent resident alien. Investor guidelines have been met. - Due Diligence Vendor-03/29/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XXX SS Personal Identification.pdf<br> XXX DL Personal Identification.pdf<br> XXX Wk auth.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CO | Investment | Purchase | NA | N/A | N/A |
| 500_434 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Purchase | NA |  |  |
| 500_407 |  | D B A | Closed | FPRO1244 | 2022-03-14 12:05 | 2022-03-22 14:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/07/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-03/22/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | NV | Primary Residence | Purchase | NA | N/A | N/A |
| 500_425 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Second Home | Purchase | NA |  |  |
| 500_487 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Debt Consolidation |  |  |
| 500_489 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA |  |  |
| 500_491 |  | D A | Closed | FPRO1244 | 2022-03-14 12:11 | 2022-03-22 14:39 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-03/22/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/10/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/14/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-03/22/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 178 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA | N/A | N/A |
| 500_486 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other |  |  |
| 500_490 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA |  |  |
| 500_488 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 500_454 |  | A | Closed | FPRO1244 | 2022-03-31 17:25 | 2022-04-07 13:32 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/31/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/31/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-04/07/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV 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 39 Are Greater Than The Guideline Minimum Of 0 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_440 |  | A | Closed | FPRO1244 | 2022-03-31 17:24 | 2022-04-07 13:27 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-03/31/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product.<br> - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-03/31/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-04/07/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.6% 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 5.79% 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 65.6% 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 73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_453 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 500_375 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Purchase | NA |  |  |
| 500_480 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | WA | Primary Residence | Purchase | NA |  |  |
| 500_445 |  | D A | Closed | FPRO1244 | 2022-04-01 18:37 | 2022-04-07 13:46 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-04/07/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/01/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/01/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-04/07/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_450 |  | D A | Closed | FPRO1244 | 2022-04-04 11:34 | 2022-04-08 12:15 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved.<br>- Due Diligence Vendor-04/08/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/04/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved.<br>- Due Diligence Vendor-04/08/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_463 |  | D A | Closed | FPRO1244 | 2022-04-04 11:35 | 2022-04-08 12:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved.<br> Hit Save. <br> - Due Diligence Vendor-04/08/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/04/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved.<br> Hit Save. <br> - Due Diligence Vendor-04/08/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | NV | Investment | Purchase | NA | N/A | N/A |
| 500_459 |  | D A | Closed | FPRO1244 | 2022-04-04 11:36 | 2022-04-08 12:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved.<br> .. <br> - Due Diligence Vendor-04/08/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/04/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-03/31/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/04/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved.<br> .. <br> - Due Diligence Vendor-04/08/2022 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA | N/A | N/A |
| 500_456 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | VA | Investment | Purchase | NA |  |  |
| 500_464 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | FL | Investment | Purchase | NA |  |  |
| 500_461 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Purchase | NA |  |  |
| 500_462 |  | D A | Closed | FPRO1244 | 2022-04-06 15:30 | 2022-04-11 13:11 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-04/11/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/06/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/06/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/06/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-04/11/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.22% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 500_481 |  | C A | Closed | finding-3625 | 2022-06-02 12:40 | 2022-06-03 16:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received explanation that XXX fee and XXX fee were paid to the lender for the benefit of a third party. XXX report in file evidences the same, fees paid to provider. - Due Diligence Vendor-06/03/2022 <br> Ready for Review-Please review QC response: <br>Seller response 5/26/22: Yes, however it's a pass thru - just like the XXX fees We collect them and then pay them out, however since the payee is variable, we don't know who the investor will be, we show our name. That fee is withheld from our wires when the loan is purchased from us so it would depend on the purchaser and whom they use.<br>Thank you. - Seller-06/02/2022 <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. \*\*\*\*\*It appears that the XXX and XXX Fee fee are paid directly to the Lender in Section B. - Due Diligence Vendor-04/07/2022 | Ready for Review-Please review QC response: <br>Seller response 5/26/22: Yes, however it's a pass thru - just like the XXX fees We collect them and then pay them out, however since the payee is variable, we don't know who the investor will be, we show our name. That fee is withheld from our wires when the loan is purchased from us so it would depend on the purchaser and whom they use.<br>Thank you. - Seller-06/02/2022 | Resolved-Received explanation that XXX fee and XXX fee were paid to the lender for the benefit of a third party. XXX report in file evidences the same, fees paid to provider. - Due Diligence Vendor-06/03/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 655 is Greater Than The Guideline Minimum Of 625 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.38% 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 181 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.38% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | AZ | Primary Residence | Purchase | NA | N/A | N/A |
| 500_449 |  | D A | Closed | FPRO1244 | 2022-04-11 11:55 | 2022-04-12 09:28 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-04/12/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/11/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/06/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/11/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-04/12/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.69% 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 74.81% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.81% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 500_482 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | TX | Investment | Purchase | NA |  |  |
| 500_444 |  | D A | Closed | FPRO1244 | 2022-04-08 11:59 | 2022-04-12 09:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-04/12/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-04/08/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/06/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-04/08/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-04/12/2022 | Qualifying 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | SC | Investment | Purchase | NA | N/A | N/A |
| 500_18 |  | D A | Closed | FPRO1244 | 2022-05-17 19:04 | 2022-05-18 15:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-05/18/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/17/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/16/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/17/2022<br>| Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved - Due Diligence Vendor-05/18/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.64% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.64% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 500_144 |  | D A | Closed | FPRO1244 | 2022-05-17 19:04 | 2022-05-20 16:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $XXX or XXX% variance ,findings resolved. - Due Diligence Vendor-05/20/2022 <br> Ready for Review-Canopy valuation process - to order product. - Seller-05/17/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-05/16/2022 | Ready for Review-Canopy valuation process - to order product. - Seller-05/17/2022<br>| Resolved-desk review provided with value $XXX or XXX% variance ,findings resolved. - Due Diligence Vendor-05/20/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.25% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.25% 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 36.65% 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 XXX By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |

---

## Exhibit 99.1

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 500_65 |  |  | XXX A |
| 500_79 |  |  | XXX A D |
| 500_91 |  |  | XXX A |
| 500_89 |  |  | XXX A D |
| 500_95 |  |  | XXX A |
| 500_71 |  |  | XXX A D |
| 500_66 |  |  | XXX A D |
| 500_81 |  |  | XXX A D |
| 500_108 |  |  | XXX A |
| 500_127 |  |  | XXX A |
| 500_104 |  |  | XXX A D |
| 500_67 |  |  | XXX A C |
| 500_13 |  |  | XXX A D |
| 500_110 |  |  | XXX A D |
| 500_76 |  |  | XXX A D |
| 500_111 |  |  | XXX A |
| 500_122 |  |  | XXX A D |
| 500_130 |  |  | XXX A |
| 500_77 |  |  | XXX A D |
| 500_158 |  |  | XXX A |
| 500_92 |  |  | XXX A D |
| 500_119 |  |  | XXX A D |
| 500_86 |  |  | XXX A B D |
| 500_125 |  |  | XXX A B D |
| 500_75 |  |  | XXX A D |
| 500_93 |  |  | XXX A |
| 500_136 |  |  | XXX A D |
| 500_165 |  |  | XXX A C |
| 500_99 |  |  | XXX A D |
| 500_107 |  |  | XXX A D |
| 500_124 |  |  | XXX A |
| 500_72 |  |  | XXX C A D |
| 500_106 |  |  | XXX A D |
| 500_114 |  |  | XXX A |
| 500_85 |  |  | XXX A |
| 500_152 |  |  | XXX A |
| 500_153 |  |  | XXX A |
| 500_160 |  |  | XXX A |
| 500_163 |  |  | XXX A D |
| 500_167 |  |  | XXX A D |
| 500_155 |  |  | XXX A |
| 500_129 |  |  | XXX A |
| 500_126 |  |  | XXX B A |
| 500_102 |  |  | XXX A D |
| 500_468 |  |  | XXX A C D |
| 500_469 |  |  | XXX A D |
| 500_115 |  |  | XXX A |
| 500_472 |  |  | XXX A |
| 500_19 |  |  | XXX A D |
| 500_195 |  |  | XXX A |
| 500_105 |  |  | XXX A |
| 500_145 |  |  | XXX A C |
| 500_148 |  |  | XXX A |
| 500_178 |  |  | XXX A |
| 500_94 |  |  | XXX A D |
| 500_101 |  |  | XXX A D |
| 500_57 |  |  | XXX A D |
| 500_62 |  |  | XXX A D |
| 500_84 |  |  | XXX A |
| 500_87 |  |  | XXX A |
| 500_138 |  |  | XXX A |
| 500_174 |  |  | XXX A D |
| 500_197 |  |  | XXX A D |
| 500_61 |  |  | XXX A D |
| 500_146 |  |  | XXX A D |
| 500_169 |  |  | XXX A D |
| 500_154 |  |  | XXX A |
| 500_116 |  |  | XXX A D |
| 500_182 |  |  | XXX A D |
| 500_55 |  |  | XXX A D |
| 500_78 |  |  | XXX A D |
| 500_179 |  |  | XXX A D |
| 500_14 |  |  | XXX A |
| 500_188 |  |  | XXX A D |
| 500_100 |  |  | XXX A |
| 500_11 |  |  | XXX A D |
| 500_150 |  |  | XXX A D |
| 500_194 |  |  | XXX A |
| 500_22 |  |  | XXX A D |
| 500_211 |  |  | XXX A D |
| 500_216 |  |  | XXX A B D |
| 500_233 |  |  | XXX A |
| 500_253 |  |  | XXX A |
| 500_203 |  |  | XXX A |
| 500_240 |  |  | XXX A |
| 500_215 |  |  | XXX A |
| 500_264 |  |  | XXX A |
| 500_60 |  |  | XXX A D |
| 500_80 |  |  | XXX A D |
| 500_190 |  |  | XXX C A B |
| 500_222 |  |  | XXX A D |
| 500_238 |  |  | XXX A D |
| 500_97 |  |  | XXX A |
| 500_292 |  |  | XXX A D |
| 500_26 |  |  | XXX A D |
| 500_140 |  |  | XXX A D |
| 500_259 |  |  | XXX A |
| 500_272 |  |  | XXX A |
| 500_20 |  |  | XXX A |
| 500_189 |  |  | XXX A B |
| 500_198 |  |  | XXX A B |
| 500_24 |  |  | XXX A D |
| 500_227 |  |  | XXX A D |
| 500_246 |  |  | XXX A |
| 500_177 |  |  | XXX C A D B |
| 500_267 |  |  | XXX A |
| 500_229 |  |  | XXX A D |
| 500_225 |  |  | XXX A C D |
| 500_220 |  |  | XXX A |
| 500_247 |  |  | XXX A D |
| 500_258 |  |  | XXX A D |
| 500_284 |  |  | XXX A D |
| 500_249 |  |  | XXX A D |
| 500_281 |  |  | XXX A |
| 500_23 |  |  | XXX A |
| 500_171 |  |  | XXX A D |
| 500_244 |  |  | XXX A |
| 500_209 |  |  | XXX A D |
| 500_274 |  |  | XXX A D |
| 500_305 |  |  | XXX A C |
| 500_288 |  |  | XXX A |
| 500_207 |  |  | XXX A D |
| 500_232 |  |  | XXX A |
| 500_236 |  |  | XXX A |
| 500_237 |  |  | XXX A |
| 500_241 |  |  | XXX A D |
| 500_210 |  |  | XXX A D |
| 500_245 |  |  | XXX A D |
| 500_121 |  |  | XXX A D |
| 500_123 |  |  | XXX A |
| 500_287 |  |  | XXX A D |
| 500_304 |  |  | XXX A |
| 500_333 |  |  | XXX A |
| 500_279 |  |  | XXX A D |
| 500_262 |  |  | XXX A B |
| 500_278 |  |  | XXX B C D A |
| 500_269 |  |  | XXX A |
| 500_299 |  |  | XXX A D |
| 500_322 |  |  | XXX A D |
| 500_221 |  |  | XXX A |
| 500_103 |  |  | XXX A |
| 500_181 |  |  | XXX A |
| 500_208 |  |  | XXX A C |
| 500_28 |  |  | XXX A |
| 500_270 |  |  | XXX A D |
| 500_337 |  |  | XXX A D |
| 500_27 |  |  | XXX A |
| 500_310 |  |  | XXX A |
| 500_338 |  |  | XXX A C |
| 500_321 |  |  | XXX A |
| 500_343 |  |  | XXX A D |
| 500_199 |  |  | XXX A C |
| 500_312 |  |  | XXX A D |
| 500_326 |  |  | XXX A |
| 500_352 |  |  | XXX A D |
| 500_471 |  |  | XXX A D |
| 500_234 |  |  | XXX A D |
| 500_280 |  |  | XXX A |
| 500_300 |  |  | XXX A |
| 500_371 |  |  | XXX C A D |
| 500_309 |  |  | XXX A |
| 500_475 |  |  | XXX A D |
| 500_342 |  |  | XXX A |
| 500_345 |  |  | XXX A |
| 500_357 |  |  | XXX A |
| 500_21 |  |  | XXX C A B |
| 500_276 |  |  | XXX A D |
| 500_365 |  |  | XXX A |
| 500_223 |  |  | XXX A D |
| 500_344 |  |  | XXX A D |
| 500_362 |  |  | XXX A D |
| 500_164 |  |  | XXX A D |
| 500_273 |  |  | XXX A D |
| 500_324 |  |  | XXX A D |
| 500_180 |  |  | XXX A D |
| 500_347 |  |  | XXX A D |
| 500_260 |  |  | XXX A D |
| 500_364 |  |  | XXX A |
| 500_368 |  |  | XXX A D |
| 500_235 |  |  | XXX C A D B |
| 500_355 |  |  | XXX A D |
| 500_307 |  |  | XXX C A |
| 500_318 |  |  | XXX A |
| 500_336 |  |  | XXX A |
| 500_373 |  |  | XXX A D |
| 500_346 |  |  | XXX A |
| 500_351 |  |  | XXX A D |
| 500_360 |  |  | XXX A D |
| 500_370 |  |  | XXX A |
| 500_361 |  |  | XXX A C D B |
| 500_320 |  |  | XXX A |
| 500_275 |  |  | XXX A C |
| 500_478 |  |  | XXX A D |
| 500_35 |  |  | XXX A |
| 500_38 |  |  | XXX A D |
| 500_41 |  |  | XXX A D |
| 500_380 |  |  | XXX A D |
| 500_393 |  |  | XXX A |
| 500_413 |  |  | XXX A D |
| 500_412 |  |  | XXX D C A |
| 500_397 |  |  | XXX A |
| 500_418 |  |  | XXX A |
| 500_428 |  |  | XXX A |
| 500_439 |  |  | XXX D A |
| 500_434 |  |  | XXX A |
| 500_407 |  |  | XXX A B D |
| 500_425 |  |  | XXX A |
| 500_487 |  |  | XXX A |
| 500_489 |  |  | XXX A |
| 500_491 |  |  | XXX A D |
| 500_486 |  |  | XXX A |
| 500_490 |  |  | XXX A |
| 500_488 |  |  | XXX A |
| 500_454 |  |  | XXX A |
| 500_440 |  |  | XXX A |
| 500_453 |  |  | XXX A |
| 500_375 |  |  | XXX A |
| 500_480 |  |  | XXX A B |
| 500_445 |  |  | XXX A D |
| 500_450 |  |  | XXX A D |
| 500_463 |  |  | XXX A D |
| 500_459 |  |  | XXX A D |
| 500_456 |  |  | XXX A |
| 500_464 |  |  | XXX A |
| 500_461 |  |  | XXX A |
| 500_462 |  |  | XXX A D |
| 500_481 |  |  | XXX A C |
| 500_449 |  |  | XXX A D |
| 500_482 |  |  | XXX A |
| 500_444 |  |  | XXX A D |
| 500_18 |  |  | XXX A D |
| 500_144 |  |  | XXX A D |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **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 Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 500_65 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .014 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_79 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_91 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .157 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_89 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_95 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.056 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_71 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.197 | XXX | n/a | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_66 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_81 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .003 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_108 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .120 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_127 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_104 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_67 |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  | XXX | XXX | .340 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_13 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .325 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_110 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.205 | 97 | 0.03 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_76 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  | XXX | XXX | -.124 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_111 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .013 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_122 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.367 | 62 | 0.38 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_130 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_77 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_158 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.071 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_92 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_119 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_86 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_125 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_75 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_93 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_136 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.108 | 95 | 0.05 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_165 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .016 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_99 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_107 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .003 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_124 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .014 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_72 |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_106 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.045 | 89 | 0.11 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_114 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .017 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_85 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_152 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.057 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_153 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .033 | 88 | 0.12 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_160 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.018 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_163 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.353 | 92 | 0.08 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_167 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .585 | 75 | 0.25 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_155 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.017 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_129 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .018 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_126 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.008 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_102 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_468 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.896 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_469 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_115 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .015 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_472 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .016 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_19 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.129 | 91 | 0.09 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_195 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.035 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_105 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .015 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_145 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.015 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_148 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.057 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_178 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.035 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_94 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_101 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_57 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_62 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_84 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.012 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_87 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .043 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_138 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.021 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_174 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.041 | 92 | 0.08 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_197 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .024 | 97 | 0.03 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_61 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.095 | 87 | 0.13 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_146 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .044 | 87 | 0.13 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_169 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.087 | 93 | 0.07 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_154 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.015 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_116 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.007 | 90 | 0.1 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_182 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_55 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_78 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_179 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_14 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .022 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_188 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_100 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.048 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_11 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_150 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_194 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .065 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_22 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_211 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_216 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_233 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .022 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_253 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .085 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_203 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .013 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_240 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.006 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_215 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.072 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_264 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.014 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_60 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.049 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_80 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.068 | 93 | 0.07 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_190 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.029 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_222 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_238 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.109 | 92 | 0.08 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_97 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.052 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_292 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.231 | 91 | 0.09 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_26 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_140 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .271 | 80 | 0.2 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_259 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_272 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .000 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_20 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.037 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_189 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .040 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_198 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.056 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_24 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_227 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_246 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .036 | 78 | 0.22 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_177 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_267 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_229 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .004 | 74 | 0.26 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_225 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_220 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.052 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_247 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_258 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_284 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_249 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .062 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_281 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .005 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_23 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.034 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_171 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_244 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.007 | 87 | 0.13 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_209 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.175 | 87 | 0.13 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_274 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .010 | 94 | 0.06 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_305 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.003 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_288 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .002 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_207 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_232 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.028 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_236 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .620 | 82 | 0.18 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_237 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.019 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_241 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_210 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_245 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.020 | 88 | 0.12 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_121 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .901 | 87 | 0.13 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_123 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .115 | 71 | 0.29 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_287 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.116 | 92 | 0.08 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_304 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.039 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_333 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.010 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_279 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_262 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.012 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_278 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_269 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.029 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_299 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_322 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_221 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .066 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_103 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .028 | XXX | 92 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_181 |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | .017 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_208 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .029 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_28 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.009 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_270 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_337 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_27 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.013 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_310 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.061 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_338 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.053 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_321 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.011 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_343 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .031 | 85 | 0.15 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_199 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.014 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_312 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .011 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_326 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.063 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_352 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_471 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_234 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_280 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .012 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_300 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.011 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_371 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.092 | 80 | 0.2 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_309 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .073 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_475 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_342 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .045 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_345 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.010 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_357 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.018 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_21 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .084 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_276 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_365 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_223 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_344 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_362 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_164 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .183 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_273 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_324 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_180 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_347 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_260 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_364 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .012 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_368 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_235 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.075 | 82 | 0.18 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_355 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_307 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .103 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_318 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.028 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_336 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .083 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_373 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_346 |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .069 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_351 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.005 | 67 | 0.33 | XXX | XXX | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_360 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_370 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.032 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_361 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_320 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.021 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_275 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .046 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_478 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.051 | 88 | 0.12 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_35 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.040 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_38 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .078 | 91 | 0.09 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_41 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.016 | 89 | 0.11 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_380 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.360 | 81 | 0.19 | XXX | XXX | XXX | XXX | -.080 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_393 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.007 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_413 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.163 | 63 | 0.37 | XXX | XXX | XXX | XXX | .047 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_412 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.030 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_397 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .009 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_418 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .001 | 90 | 0.1 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_428 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.081 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_439 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.099 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_434 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.003 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_407 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_425 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.087 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_487 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .012 | 98 | 0.02 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_489 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .141 | 91 | 0.09 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_491 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_486 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_490 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .048 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_488 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_454 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .122 | 88 | 0.12 | XXX | XXX | XXX | XXX | -.074 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_440 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.344 | 85 | 0.15 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_453 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.002 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_375 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.046 | 92 | 0.08 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_480 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.029 | 95 | 0.05 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_445 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .003 | 75 | 0.25 | XXX | XXX | XXX | XXX | .096 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_450 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .079 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_463 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .064 | 89 | 0.11 | XXX | XXX | XXX | XXX | .000 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_459 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_456 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.010 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_464 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.040 | 93 | 0.07 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_461 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.093 | 94 | 0.06 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_462 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.069 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_481 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.040 | 96 | 0.04 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_449 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .045 | 69 | 0.31 | XXX | XXX | XXX | XXX | -.003 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_482 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | -.014 | 97 | 0.03 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_444 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_18 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | .047 | 89 | 0.11 | XXX | XXX | XXX | XXX | -.028 | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_144 |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income 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?** |
| 500_65 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 7340 | 4.703 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_79 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_91 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_89 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_95 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_71 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No |  | No | No | No | No | No | 6544 | 4.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_66 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_81 |  |  | 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 | Yes | 6545 | 6.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_108 |  |  | 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 | Yes | 5695 | 5.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_127 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_104 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_67 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No | false | No | No | No | No | No | 39295 | 4.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_13 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 500_110 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 500_76 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 500_111 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | No |  | Yes | Present |
| 500_122 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_130 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 500_77 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Employed |  | Yes |  | Yes | Present |
| 500_158 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_92 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_119 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_86 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Yes |  | Yes | Present |
| 500_125 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No |  | Yes | Present |
| 500_75 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_93 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_136 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 500_165 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | Yes | 9545 | 5.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 500_99 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_107 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_124 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_72 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes |  | No | No | false | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_106 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No |  | No | No | false | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_114 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No |  | No | No | false | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Retired | No | No | No | N/A |
| 500_85 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_152 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_153 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_160 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_163 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_167 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_155 |  |  | 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 | false | No | No | No | No | No | 6295 | 4.506 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_129 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 8926 | 5.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_126 |  |  | 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 | 3243 | 7.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_102 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 500_468 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 18718.25 | 3.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_469 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 5471.25 | 6.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 500_115 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | true | No | No | No | No | No | 12175 | 6.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_472 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_19 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No |  | No | No | No | No | No | 4945 | 3.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_195 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No | false | No | No | No | No | No | 14945 | 4.657 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_105 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 8470 | 3.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_145 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | 14495 | 5.022 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_148 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 15295 | 4.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_178 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_94 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_101 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_57 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | false | No | No | No | No | Yes | 11585 | 5.476 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 500_62 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 2395 | 7.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_84 |  |  | 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 | Yes | 18725 | 4.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_87 |  |  | 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 | 6448.13 | 4.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_138 |  |  | 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 | false | No | No | No | No | Yes | 8445 | 5.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_174 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No |  | No | No | No | No | No | 8410 | 4.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_197 |  |  | 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 | Yes | 7750 | 5.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_61 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | No | 9695 | 5.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_146 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_169 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_154 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 9920 | 7.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_116 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_182 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No | false | No | No | No | No | No | 9170 | 4.995 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_55 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 14795 | 5.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No | N/A |
| 500_78 |  |  | 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 | false | No | No | No | No | Yes | 6653 | 5.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_179 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 3475 | 4.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_14 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 2895 | 4.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_188 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_100 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 6535 | 4.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_11 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No |  | No | No | No | No | No | 2595 | 5.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Retired | Employed | No | No | No | N/A |
| 500_150 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | false | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_194 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_22 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 5.111% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_211 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_216 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 5.910% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 500_233 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 12725 | 4.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_253 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 6895 | 5.239 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_203 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | Yes | 6275.5 | 5.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_240 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 3635 | 4.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_215 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 6920 | 4.686 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_264 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 7606.25 | 4.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_60 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 4974.2 | 5.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_80 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 9045 | 5.831 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_190 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | Yes | No | No |  | No | No | No | No | Yes | 20545 | 8.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_222 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 6357.5 | 6.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_238 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | Yes | 8720 | 3.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_97 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | Yes | 7310 | 4.521% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_292 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 12335 | 4.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_26 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | Yes | No | No | false | No | No | No | No | No | 2730 | 6.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_140 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | No | No | No | No |  |  | 5.179% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_259 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | No | No | No | No |  |  | 4.698% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_272 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | No | No | No | No |  |  | 4.581% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_20 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 4.695% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No |  | Yes | Present |
| 500_189 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 6.923% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No |  | Yes | Present |
| 500_198 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 4.496% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No |  | Yes | Present |
| 500_24 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 6.428% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No |  | Yes | Present |
| 500_227 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | No | No | No | No |  |  | 4.849% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No |  | Yes | Present |
| 500_246 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 5.568% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | No | No | Yes | Present |
| 500_177 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 4.227% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_267 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | Yes | No | No | No |  |  | 4.674% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_229 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | Yes | No | No | false | No | No | No | No | No | 13125 | 5.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_225 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 10893.95 | 5.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_220 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | Yes | No | No | No |  |  | 5.091% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_247 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | Yes | No | No | No |  |  | 4.977% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_258 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | No | No | No | No |  |  | 4.899% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_284 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | No | No | No | No |  |  | 5.495% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_249 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 5.178% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_281 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | false | No | No | No | No |  |  | 4.758% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_23 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 7195 | 5.137 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_171 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 4.020% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_244 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 4.942% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Yes | Yes | Yes | Present |
| 500_209 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 10180 | 4.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_274 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 14585 | 4.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 500_305 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 4599 | 5.241 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_288 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | Yes | 12020 | 5.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_207 |  |  | 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 | N/A | Not Employed |  | Yes | Yes | Yes | Present |
| 500_232 |  |  | 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 | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_236 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 500_237 |  |  | 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 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_241 |  |  | 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 | N/A |  |  | No | No | Yes | Present |
| 500_210 |  |  | 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 | false | No | No | No | No | No | 13756 | 4.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_245 |  |  | 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 | 3395 | 6.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_121 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_123 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 500_287 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 500_304 |  |  | 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 | N/A | Not Employed | Not Employed | Yes | Yes | Yes | Present |
| 500_333 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 500_279 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_262 |  |  | 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 | true | No | No | No | No | No | 9795 | 4.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_278 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | Yes | 4155 | 5.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_269 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No |  | No | No | No | No | Yes | 5265 | 4.009 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_299 |  |  | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_322 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | No | 4685 | 5.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_221 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 4295 | 4.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_103 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No | false | No | No | No | No | Yes | 13970 | 6.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_181 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 25340 | 6.463 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_208 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | Yes | 5420 | 4.995 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_28 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 12555 | 4.074 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_270 |  |  | 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 | N/A | Employed |  | Yes |  | Yes | Present |
| 500_337 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 500_27 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | 6295 | 3.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_310 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 9150 | 7.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_338 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No |  | No | No | No | No | Yes | 7839 | 4.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_321 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_343 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 500_199 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | Yes | 10334.25 | 4.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_312 |  |  | 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 | N/A |  |  | No |  | Yes | Present |
| 500_326 |  |  | 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 | N/A | Not Employed |  | No | No | Yes | Present |
| 500_352 |  |  | 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 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_471 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | true | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_234 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_280 |  |  | 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 | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_300 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_371 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_309 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_475 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 11985 | 4.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No | N/A |
| 500_342 |  |  | 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 | 3420 | 3.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_345 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | 6063.75 | 3.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_357 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 4545 | 4.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_21 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_276 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_365 |  |  | 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 | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_223 |  |  | 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 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_344 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_362 |  |  | 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 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_164 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_273 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | Yes | No | No |  | No | No | No | No | Yes | 6991.25 | 6.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_324 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_180 |  |  | 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 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_347 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_260 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 9607.5 | 4.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_364 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_368 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_235 |  |  | 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 | N/A | Retired | Retired | No | No | Yes | Present |
| 500_355 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_307 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | Yes | 9970 | 3.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_318 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 4706.25 | 6.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_336 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 5750 | 3.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_373 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 5828.75 | 4.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_346 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 7225.33 | 4.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Not Employed | No | No | No | N/A |
| 500_351 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 8540 | 4.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_360 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_370 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_361 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 5540 | 5.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_320 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 7500 | 5.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_275 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | Yes | 11393.5 | 4.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_478 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 2475 | 5.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_35 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | No | 4032.5 | 5.154 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_38 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | No | No | No |  | No | No | No | No | No | 3855 | 4.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_41 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 4095 | 4.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_380 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | Yes | 4545 | 6.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_393 |  |  | 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 | 8015 | 5.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_413 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 9620 | 4.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_412 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | Yes | 16255 | 5.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_397 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | No | 9855 | 6.734 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_418 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 11687 | 5.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_428 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 7220 | 5.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_439 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_434 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 4255 | 4.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_407 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 21294 | 5.71 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_425 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 6216.88 | 5.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 500_487 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | Corr | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 500_489 |  |  | 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 | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_491 |  |  | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_486 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_490 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | N/A | Not Employed |  | No |  | Yes | Present |
| 500_488 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 27600 | 3.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_454 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0596 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_440 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 14590 | 4.912 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_453 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | Yes | 11332.5 | 5.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 500_375 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0664 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_480 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | 8990 | 5.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_445 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0727 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 500_450 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0654 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_463 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0648 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
| 500_459 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0731 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_456 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0678 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | Yes |  | Yes | Present |
| 500_464 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No | true | Yes | No | No | No |  |  | 0.0642 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_461 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | Yes | 5326.25 | 7.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_462 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.069 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_481 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Fail | Yes | Yes | No | No |  | No | No | No | No | No | 6740 | 6.461 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_449 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 8701.25 | 5.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_482 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | No | No | No | No |  |  | 0.0563 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed |  | No |  | Yes | Present |
| 500_444 |  |  | XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0623 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 500_18 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | Yes | No | No | No |  | No | No | No | No | No | 6630 | 4.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 500_144 |  |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No |  | No | No | No | No | No | 8945 | 3.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |

---

## Exhibit 99.1

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 500_75 | Acra Lending Flow | Property Type | propertyValuationPage | Manufactured Home - DW | Single Family Detached | Tape value incorrect. Per appraisal subject is a MH |
| 500_94 | Acra Lending Flow | Property Type | propertyValuationPage | Single Family Attached | Two to Four Unit | Tape value incorrect. Per appraisal subject is a SFR |
| 500_84 | Acra Lending Flow | Property Type | propertyValuationPage | Single Family Detached | PUD | Tape value incorrect. Per appraisal subject is a SFR no HOA/PUD |
| 500_177 | Acra Lending Flow | Property Type | propertyValuationPage | Manufactured Home - DW | Single Family Detached | Tape value incorrect. Per appraisal subject is a MH |
| 500_115 | Acra Lending Flow | First Interest Rate Change Date | notePage | XXX | XXX | XXX confirmed per Note |
| 500_472 | Acra Lending Flow | Escrow Flag | finalCdDetailPage | No | Yes | no escrows |
| 500_164 | Acra Lending Flow | Property Type | propertyValuationPage | Manufactured Home - DW | Two to Four Unit | Tape value incorrect. Per appraisal subject is a MH |
| 500_235 | Acra Lending Flow | Property Type | propertyValuationPage | Manufactured Home - DW | Single Family Detached | Tape value incorrect. Per appraisal subject is a MH |
| 500_26 | Acra Lending Flow | Application Date | the1003Page | XXX | XXX | application date of XXX per conditional loan approval |
| 500_20 | Acra Lending Flow | Application Date | the1003Page | XXX | XXX | application date of XXX per conditional loan approval |
| 500_23 | Acra Lending Flow | Application Date | the1003Page | XXX | XXX | Application date of XXX per conditional loan approval |
| 500_262 | Acra Lending Flow | First Interest Rate Change Date | notePage | XXX | XXX | XXX confirmed per note |
| 500_471 | Acra Lending Flow | First Interest Rate Change Date | notePage | XXX | XXX | XXXX confirmed per note |
| 500_21 | Acra Lending Flow | Application Date | the1003Page | XXX | XXX | application date of XXX per conditional loan approval |
| 500_370 | Acra Lending Flow | First Payment Date | notePage | XXX | XXX | XXX confirmed per note |
| 500_41 | Acra Lending Flow | Application Date | the1003Page | XXX | XXX | application date of XXX per conditional loan approval |
| 500_487 | Acra Lending Flow | First Payment Date | notePage | XXX | XXX | XXX confirmed per note |
| 500_487 | Acra Lending Flow | Interest Rate | notePage | XXX | XXX | Tape value incorrect. Per Note rate isXXX% |
| 500_489 | Acra Lending Flow | First Payment Date | notePage | XXX | XXX | XXX confirmed per note |
| 500_491 | Acra Lending Flow | First Payment Date | notePage | XXX | XXX | XXX confirmed per note |
| 500_18 | Acra Lending Flow | Application Date | the1003Page | XXX | XXX | application date of XXX per conditional loan approval |
| 500_72 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value incorrect. X appraisals and loan approval shows XXX for property value |
| 500_469 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value incorrect. Appraisal shows XXX |
| 500_11 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape Value incorrect. Primary wage earner mis score is XXX |
| 500_72 | Acra Lending Flow | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Tape value incorrect. Per appraisal subject is a SFR Attached |
| 500_190 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape Value incorrect. Primary wage earner mis score is XXX |
| 500_198 | Acra Lending Flow | Property Type | propertyValuationPage | Single Family Detached | PUD | Tape value incorrect. Per appraisal subject is a SFR Dettached |
| 500_246 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. Borrowers mid score is XXX |
| 500_23 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value is 2nd appraisal. Verified value is lowest value from 1st appraisal. Approval showsXXX prior sales price for LTV |
| 500_274 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | XXX is sales price used for LTV. Property value per appraisal is XXX |
| 500_278 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape Value incorrect. Primary wage earner mis score is XXX |
| 500_299 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | XXX is sales price used for LTV. Property value per appraisal is XXX |
| 500_181 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value incorrect. Uw wksht shows XXX for appraised value |
| 500_270 | Acra Lending Flow | Qualifying LTV | diligenceFinalLookPage | XXX | XXX | Tape value is incorrect. LTV based on original sales price XXX, XXX shows adjusted sales price at XXX |
| 500_337 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. Borrowers mid score is XXX |
| 500_471 | Acra Lending Flow | Occupancy | the1003Page | Second Home | Investment | 1003 shows 2nd home and DOT has 2nd home rider, however this is a DSCR program with Biz Purpose Disclosure. |
| 500_475 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. Borrowers mid score is XXX |
| 500_21 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape value incorrect. Borrowers mid score is XXX |
| 500_355 | Acra Lending Flow | Qualifying LTV | diligenceFinalLookPage | XXX | XXX | Tape value incorrect. Uw wksht shows the incorrect sales price. Final sales price on XXX |
| 500_346 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value incorrect. Uw wksht shows XXX for appraised value prior sales price |
| 500_478 | Acra Lending Flow | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Tape Value incorrect. Primary wage earner mis score is XXX |
| 500_453 | Acra Lending Flow | Property Value | propertyValuationPage | XXX | XXX | Tape value incorrect. Uw wksht shows $XXX |

---

## Exhibit 99.2

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BRAVO 2023-NQM2<br>

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**2/9/2023<br> Due Diligence Narrative Report**<br>

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**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

 ****

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 1 February 9, 2023

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 ****

**Clayton Contact Information**

Client Service Management:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Ralph Fox** Client Services Senior Director

Phone: (813) 371-0281/E-mail: rfox@clayton.com

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Joe Ozment** VP – Client Services and Securitization

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

**Overview**

On behalf of Loan Funding Structure III LLC, Clayton conducted an independent third-party non-securitization due diligence review of 6 residential loan.

On behalf of Commerce Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of 2 residential loan.

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 175 residential loans. 2 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)".

Loan Funding Structure III LLC subsequently purchased these loans via Reliance Letter and selected them for the BRAVO 2023-NQM2 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from July 2019 to April 2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 164 | 89.62% |
| Correspondent | 4 | 2.19% |
| Retail | 15 | 8.20% |
| **Total** | **183** | **100.00%** |

---

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 2 February 9, 2023

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

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

Sampling

For all originators in this transaction, 98.90% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 181\* | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 183 |  |

---

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

Loan Grading

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

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

TPR Component Review Scope

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

------

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 3 February 9, 2023

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Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify risk evaluation report, which was located in each loan file, for income, employment,
Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (183 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (183 loans)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Full Appraisal

0 loans had CU scores of 2.5 or less and and did not require a third party valuation. For further detail please refer to the BRAVO 2023-NQM2 Valuations Summary Report

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 4 February 9, 2023

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Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to Appendix C and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment
penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 5 February 9, 2023

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

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope.

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

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

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 6 February 9, 2023

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

Prepayment Penalties and Late Charges in certain states

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

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

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

 ****

Data Integrity

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF"). The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided Loan Funding Structure III LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| Borrower 1 First Name | 1 | 99.45% |
| Borrower 1 First Time Home Buyer | 1 | 99.45% |
| Borrower 1 Last Name | 1 | 99.45% |
| Borrower 1 Total Income | 1 | 99.45% |
| Borrower 2 First Name | 3 | 98.36% |
| Borrower 2 Last Name | 7 | 96.17% |
| Cash Reserves | 2 | 98.91% |
| Combined LTV | 3 | 98.36% |
| Credit Report Date | 5 | 97.27% |
| Debt to Income Ratio (Back) | 17 | 90.71% |
| Disbursement Date | 36 | 80.33% |
| Documentation Type | 4 | 97.81% |

---

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 7 February 9, 2023

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---

| | | |
|:---|:---|:---|
| First Rate Change Date | 5 | 97.27% |
| Loan Purpose | 4 | 97.81% |
| Min Rate At First Adj | 1 | 99.45% |
| Next Rate Change Date | 5 | 97.27% |
| Original Appraisal Date | 6 | 96.72% |
| Original Appraised Value | 5 | 97.27% |
| Original Balance | 1 | 99.45% |
| Original LTV | 3 | 98.36% |
| Origination Date | 4 | 97.81% |
| Product Type | 2 | 98.91% |
| Property Type | 18 | 90.16% |
| Representative Credit Score for Grading | 8 | 95.63% |
| Total Cash Out | 1 | 99.45% |
| Total Monthly Income | 48 | 73.77% |

---

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results\*** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 61 | 1 | 15 | 51 | **128** |
| **Final** | **B** | 1 | 23 | 5 | 26 | **55** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **62** | **24** | **20** | **77** | **183** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 112 | 1 | 12 | 15 | **140** |
| **Final** | B | 1 | 38 | 1 | 3 | **43** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **113** | **39** | **13** | **18** | **183** |

---

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 8 February 9, 2023

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**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 118 |  | 7 | 54 | **179** |
| **Final** | B |  |  |  | 4 | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **118** | **0** | **7** | **58** | **183** |

---

**Initial and Final Regulatory Compliance Grade Results\***

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 153 | 1 | 8 | 8 | **170** |
| **Final** | B |  | 5 | 3 | 3 | **11** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **153** | **6** | **11** | **11** | **181** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (2 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Conditions Report – Compliance Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Waived Conditions Summary Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. NON-ATR QM Upload

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. ASF Upload

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Standard Upload

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 9 February 9, 2023

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 10 February 9, 2023

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- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

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- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

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- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

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

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

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

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

G. Desk Review definitions

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

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

**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0 TRID Compliance Review Scope©"

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

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Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

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

---

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

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

---

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

---

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

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Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| Maine | Ohio | South Carolina |
| Massachusetts | Rhode Island | |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

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

---

See above for additional details on Consumer Protection Laws and the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope.

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

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Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2023 Clayton Services LLC. All rights reserved.

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

BRAVO 2023-NQM2 Due Diligence Narrative Report Page \| 23 February 9, 2023

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2023-NQM2** |
| **Start - End Dates:** | **7/19/2019 - 4/15/2022** |
| **Deal Loan Count:** | **183** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *183* |
| ***Loans with Conditions:*** | *123* |

---

---

| |
|:---|
| **58 - Total Active Conditions** |
| **58 - Non-Material Conditions** |
| 47 - Credit Review Scope |
| 7 - Category: Application |
| 3 - Category: Assets |
| 30 - Category: Credit/Mtg History |
| 2 - Category: DTI |
| 2 - Category: LTV/CLTV |
| 3 - Category: Terms/Guidelines |
| 5 - Property Valuations Review Scope |
| 3 - Category: FEMA |
| 2 - Category: Property |
| 6 - Compliance Review Scope |
| 2 - Category: Federal Consumer Protection |
| 3 - Category: RESPA |
| 1 - Category: State Rate Spread |
| **156 - Total Satisfied Conditions** |
| 37 - Credit Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 5 - Category: Application |
| 8 - Category: Assets |
| 6 - Category: Income/Employment |
| 6 - Category: Insurance |
| 3 - Category: Legal Documents |
| 1 - Category: LTV/CLTV |
| 6 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 81 - Property Valuations Review Scope |
| 64 - Category: Appraisal |
| 4 - Category: FEMA |
| 13 - Category: Value |
| 38 - Compliance Review Scope |
| 4 - Category: Ability to Repay/Qualified Mortgage |
| 8 - Category: Compliance Manual |
| 1 - Category: Documentation |
| 1 - Category: Federal Consumer Protection |
| 2 - Category: Finance Charge Tolerance |
| 2 - Category: RESPA |
| 3 - Category: Right of Rescission |
| 17 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** |

---

©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2023-NQM2** |
| **Start - End Dates:** | **7/19/2019 - 4/15/2022** |
| **Deal Loan Count:** | **183** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *183* |
| ***Loans with Conditions:*** | *123* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 500_1 | XXXXXX | NV | QM: Safe Harbor | QM: Safe Harbor C A | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide ATR/QC Status Determination | 8/6/2021- Lender provided QM status reflecting Safe Harbor. | 8/6/2021- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX less Cash to Close $XXX = Reserves $XXXor XXX months PITIA. Required Reserves XXX months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 76.31%; guidelines maximum 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.66%; guidelines maximum 50%. |
| 500_2 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Lender to provide their ATR/QC Status Determination. | 08/03/2021 lender provided ATR/QM Status as Safe Harbor | 08/03/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.41% is below Program Guidelines of 43.00%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower has reduced the monthly housing expense by $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 5 years in their profession. |
| 500_2 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Lender to provide their ATR/QC Status Determination. | 08/03/2021 lender provided ATR/QM Status as Safe Harbor | 08/03/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.41% is below Program Guidelines of 43.00%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower has reduced the monthly housing expense by $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 5 years in their profession. |
| 500_2 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | C | A C B | C | A | Credit | Credit/Mtg History | Active | N/A B | N/A B | CRDCRMH148 | Credit report stale dated at closing | No | Credit Report dated XXX and Note dated XXX. Guidelines state Credit Report to be within XXX days of Note. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.41% is below Program Guidelines of 43.00%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower has reduced the monthly housing expense by $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 5 years in their profession. |
| 500_2 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | C | A C B | C | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | Lender's Rate Sheet & Matrix assigned Credit Grade XXX from 683 Credit Score of Primary XXX, and Maximum LTV for Refinance is 75%. Subject LTV is 79.93%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.41% is below Program Guidelines of 43.00%<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower has reduced the monthly housing expense by $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 5 years in their profession. |
| 500_3 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | A | A C B | A | A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Final CD requires $XXX in funds to close. Reserve Requirement - Residence - XXX = $XXX; Second Home - $XXX = $XXX - Totaling - $XXX- for a total reserve requirement of $XXX Statements in file supported assets of $XXX or short $XXX in reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.40MAX LTV 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 11 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.04% MAX DTI 43% |
| 500_3 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | A | A C B | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE within XXX days of closing. XXX from XXX. XXX and XXX | 09/01/2021 lender response: XXX VOE uploaded. No VOE needed from XXX. since XXX is the co-owner of business. Note that VOE is valid even after loan closes as proof of continuation of employment | 09/01/2021 exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.40MAX LTV 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 11 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.5 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.04% MAX DTI 43% |
| 500_4 | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor C A | C | A C | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Lender to provide ATR/QM status determination | 08/03/2021 lender provided ATR/QM Status as Safe Harbor | 08/03/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 28 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower was resided at current residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 778 exceeded minimum Credit Score for Credit Grade XXX of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment History on XXX open mortgages is 0 x 30 for XXX and XXX months. Guidelines minimum is XXX months. |
| 500_4 | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor C A | C | A C | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Lender to provide ATR/QM status determination | 08/03/2021 lender provided ATR/QM Status as Safe Harbor | 08/03/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 28 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower was resided at current residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 778 exceeded minimum Credit Score for Credit Grade XXX of 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment History on XXX open mortgages is 0 x 30 for XXX and XXX months. Guidelines minimum is XXX months. |
| 500_5 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 3 has 6 years on job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.58% is 10.42 points below the allowable 50%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0x30 mortgage history. |
| 500_554 | XXXXXX | CA | ATR/QM: Exempt | ATR/QM: Exempt D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Real Estate Commission fees are not disclosed in section H of Borrower's CD. | (No Data) | 9/19/2019: Exception satisfied since fees are listed on Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 11 years and 9 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is 30% below maximum LTV of 95%. |
| 500_554 | XXXXXX | CA | ATR/QM: Exempt | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing proof of citizenship/residency for B2. | 09.24.2019 - Lender provided internal form signed and dated XXX that confirms co-borrowers XXX card was reviewed, front and back and is not expired. | 09.24.2019 - Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 11 years and 9 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is 30% below maximum LTV of 95%. |
| 500_531 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 63. AVM FSD of 37, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/22/2022- XXX Desk Review received from XXX supporting appraisal value. | 04/22/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_10 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Active | B | B | CRDAPP2418 | Ownership history inaccurate / incomplete | No | File contains (2) Data Verify reports both reflect an additional property owned by the borrower XXX; Lender to provide LOX and updated 1003. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x37 with XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804, min 750<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67.18%, max 75% |
| 500_10 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. XXX ordered on behalf of client. | 09/27/2021 XXX Desk Review received from XXX supporting appraisal value. | 09/27/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x37 with XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804, min 750<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67.18%, max 75% |
| 500_12 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Doc Magic cert in file reflects the borrower was provided and LE on XXX after the rate first locked but that LE is missing from file. | 9/15/2021: Lender provided LE XXX | 9/15/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 29.66% LTV is 50.34% below maximum LTV of 80%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.14% DTI is 6.86% below maximum 50% DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804 exceeds maximum credit score of 750, 54 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $ XXX, less Cash to Close $XXX Reserves $XXX, XXX months PITIA. No reserves are required due to 29.66% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 11 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 9 years and 11 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays. |
| 500_12 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2340 | Employment verification does not meet guidelines | No | Missing verification of Tax Preparers, required by guidelines. | 09/15/2021 lender provided CPA Verification | 09/15/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 29.66% LTV is 50.34% below maximum LTV of 80%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.14% DTI is 6.86% below maximum 50% DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804 exceeds maximum credit score of 750, 54 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $ XXX, less Cash to Close $XXX Reserves $XXX, XXX months PITIA. No reserves are required due to 29.66% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 11 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 9 years and 11 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays. |
| 500_12 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX, with an Estimated Value of $XXX, and Confidence Score of 77. AVM FSD Score of 23, exceeded max of 10. | 09/15/2021 XXX reviewed lender response. XXX AVM is dated XXX with Value $XXX, Confidence Score 92 and FSD .08. FSD is within allowable variance. With original appraised value $XXX, and XXX AVM $XXX, Valuation Variance is 10.45%, and exceeds allowable variance of 10.00%. XXX AVM is dated XXX with Value $XXX Confidence Score 77 and FSD .23. Valuation from XXX AVM is within valuation allowable variance of 2.54%. However, XXX AVM with FSD of .23 exceeds maximum of .10. Desk Review has been ordered and is pending. Exception remains. 11/19/21 XXX Desk Review received supporting OA value with 0 variance | 11/19/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 29.66% LTV is 50.34% below maximum LTV of 80%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.14% DTI is 6.86% below maximum 50% DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804 exceeds maximum credit score of 750, 54 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $ XXX, less Cash to Close $XXX Reserves $XXX, XXX months PITIA. No reserves are required due to 29.66% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 11 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 9 years and 11 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays. |
| 500_15 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months PITI reserves |
| 500_16 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C B | A | A | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX FEMA Disaster- XXX | 11/22/21 Post Disaster Inspection with exterior photos dated XXX provided supporting no damage | 11/22/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 qualifies 750 permissible.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX cash out transaction, less Cash to Close XXX, Reserves $XXX, XXX months. This program with these figures requires XXX months reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX |
| 500_16 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX AVM discloses -12.00% variance with a value of $XXX, and the Original Valuation is $XXX. A Desk Review is required. XXX ordered on behalf of client. | 09/20/2021 XXX Desk Review received from XXX supporting appraisal value. | 09/21/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 qualifies 750 permissible.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX cash out transaction, less Cash to Close XXX, Reserves $XXX, XXX months. This program with these figures requires XXX months reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX |
| 500_17 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD score of 18 exceeds guideline provide of 10. | 12/01/2021 XXX Desk Review received from XXX supporting appraisal value. | 12/01/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 28 years. |
| 500_25 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score 29 outside of approved variance 10 | 11/19/21 received XXX supporting OA value | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 9.5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.72%; max allowed per guidelines is 75%. |
| 500_25 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -14.8796% variance with a value of $XXX, and the OA value is $XXX. Desk Review is required. XXX ordered on behalf of client. | 11/19/21 received XXX supporting OA value | Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 9.5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.72%; max allowed per guidelines is 75%. |
| 500_29 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Active | B | B | CRDDTI187 | Debt Ratio > 50% | No | DTI 51.64% exceeds GL 50.49% rounding to 50% | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 19 years in current profession<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV: 75% LTV: 34.720%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA. Reserves not required due to LTV 42.31%. |
| 500_30 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Per guidelines, current insurance policy must have a remaining term of at least six (XXX) months. Per Insurance Policy Declaration, the policy period is through XXX, which does not meet the XXX months required, with closing date of XXX | 11/22/21 Client provided copy of HOI renewal policy, effective dates XXX and dwelling coverage $XXX | 11/22/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 11 years and 8 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_32 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or XXX months PITIA. No reserves required. |
| 500_34 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | The Doc Magic dated XXX indicates that the homeowners counseling organizations was listed. Not in file. | 4/5/2022: Lender provided the list of homeowners counseling organizations dated XXX | 4/5/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years and 5 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 35 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 37.09%; max allowed per guidelines is 75%. |
| 500_34 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | LE XXX is earliest LE in file and not provided within three days of the application date of XXX. | 4/5/2022: Lender provided the initial LE dated XXX | 4/5/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years and 5 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 35 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 37.09%; max allowed per guidelines is 75%. |
| 500_34 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | The Total of Payments value of $XXX does not match the review calculation of $XXX. | 4/21/2022: Lender stated "the amount was updated on the PCCD dated XXX as Total of Payments amount has a calculation of $XXX Please provide clarification if the PCCD not acceptable." After review from Sr. Compliance, since the lender credit of $XXX is the same amount as the addition of the loan amount points on PCCD, the loan amount points should be entered in the Paid by Others column of the Loan Costs section. Provide new PCCD and LOE to borrower. Exception remains. 6/13/2022: lender stated "The $XXX was as a credit as part of the wire at funding, and credits are reflected correctly." After review from Sr. Compliance, we can satisfy with an LOX to borrower since it is 130(b). Exception remains. 6/14/2022: Lender commented "LOE to Borrower uploaded" however, we did not receive doc. Exception remains. 6/15/2022: Lender provided LOE to borrower and the tracking label. | 6/15/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years and 5 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 35 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 qualifying score. Min required per guidelines is 675.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 37.09%; max allowed per guidelines is 75%. |
| 500_37 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Satisfied | B A | B A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per GL - Maximum LTV for FN is 65%; and if the DSCR is <1.0 less another 5% LTV for a max LTV of 60%. Exception in file page XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 2 years 9 months at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months PITI reserves |
| 500_39 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C B | C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Final CD reflects Finance Charge value of $XXX and Review calculation is $XXX The CD is under disclosed by $XXX | 4/21/2022: Lender stated both the Finance Charge and Total Payment calculations were corrected on the PCCD. The PCCD dated XXX does show corrected values but there was not a refund to borrower of $XXX in file with LOE. Exception remains. 5.27.22 Client provided PCCD XXX and cancelled check. Exception satisfied. | 5.27.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.03%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.81% max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750. |
| 500_39 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C B | C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | The Final CD reflects an Amount Financed as $XXX and the review calculation is $XXX | The PCCD dated XXX does show corrected values but there was not a refund to borrower of $XXX in file with LOE. Exception remains. 5.27.22 Client provided PCCD XXX and cancelled check. Exception satisfied. | 5.27.22 Exception satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.03%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.81% max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750. |
| 500_39 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Final CD: XXX, Section: Loan Calculation; Total of Payments has a value of $XXX. Review Calculation has a value of $XXX Difference of $XXX | The PCCD dated XXX does show corrected values but there was not a refund to borrower of $XXX in file with LOE. Exception remains. 5.27.22 Client provided PCCD XXX and cancelled check. Exception satisfied. | 5.27.22 Exception satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.03%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.81% max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750. |
| 500_39 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 64. AVM FSD of 36, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 04/20/2022- CDA Desk Review received from XXX supporting appraisal value. | 04/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.03%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 54.81% max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score. Min required per guidelines is 750. |
| 500_40 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years and 8 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been a business owner in the XXX for 26 years and 5 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 17.71%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_555 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is only CD in file. Product not disclosed at least XXX days prior to closing date of XXX. | 10/03/2019: lender provided initial CD dated XXX. | 10/03/2019: Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX, proceeds, verified post-closing assets. Loan Amount $XXX% = $XXX mos = $XXX. |
| 500_555 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is only CD in file. Provide initial CD given to borrower at least XXX days prior to closing date of XXX | 10/03/2019: lender provided initial CD dated XXX. | 10/03/2019: Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX, proceeds, verified post-closing assets. Loan Amount $XXX% = $XXX mos = $XXX. |
| 500_555 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3124 | Loan documents do not meet guideline requirements | No | Missing existence of each business within XXX days of Note date. | 10.03.2019 - Lender provided CPA letter and business entity detail for XXX. Pending existence of business for XXX. Exception Remains. 10.04.2019 - Lender provided business entity detail for XXX. | 10.04.2019 - Exception Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX, proceeds, verified post-closing assets. Loan Amount $XXX% = $XXX mos = $XXX. |
| 500_555 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing desk review to support origination value. | 10.03.2019 - Lender provided desk review dated XXX. Value supports origination value. | 10.03.2019 - Exception Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX, proceeds, verified post-closing assets. Loan Amount $XXX% = $XXX mos = $XXX. |
| 500_44 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Compliance | RESPA | Active | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations missing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower XXX in current profession 30yrs<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current primary residence for 13yrs |
| 500_44 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party valuation to support original appraised value | 3.2.2021- Lender provided desk review supporting appraisal value. | 3.2.2021- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower XXX in current profession 30yrs<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current primary residence for 13yrs |
| 500_44 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Post FEMA disaster effective XXX, Hurricane XXX, dec # XXX. Note date XXX. Appraisal date XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower XXX in current profession 30yrs<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current primary residence for 13yrs |
| 500_44 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Property | Active | B | B | PRVAPROP177 | Property Issues Indicated | No | Per HOA Certification: subject property condo unit #XXX located in the XXX condominium project subject to litigation. Per guidelines: generally a condominium project that is currently in litigation is not eligible for financing however, XXX will consider each case on an individual basis. LAW in file indicated Approval XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower XXX in current profession 30yrs<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current primary residence for 13yrs |
| 500_46 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Compliance | RESPA | Active | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations missing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrower has high net worth<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX, less Cash to Close $XXX= Reserves $XXX or XXX months PITIA. Reserves are not required. |
| 500_46 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting the original appraised value. | 03/08/2021 Lender provided ARR supporting appraisal value. | 03/08/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrower has high net worth<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX, less Cash to Close $XXX= Reserves $XXX or XXX months PITIA. Reserves are not required. |
| 500_46 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Appraisal is dated XXX, no subsequent inspection since the FEMA Disaster XXX Hurricane XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrower has high net worth<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX, less Cash to Close $XXX= Reserves $XXX or XXX months PITIA. Reserves are not required. |
| 500_49 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing secondary identification source required for borrower. | 03/02/2021 lender response: XXX Verification Form XXX in file uploaded | 03/02/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 724 A rating, Minimum FICO 600 |
| 500_49 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation, by Desk Review, to support original appraisal value | 03/08/2021 Lender provided ARR supporting appraisal value. | 03/08/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 724 A rating, Minimum FICO 600 |
| 500_50 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower Final CD. As the fees are at least reflected, there is no material issue. This exception is Informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI meets guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report shows no late or missed mortgage payments on prior property<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is below max guideline |
| 500_50 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. | 03/08/2021 Lender provided ARR supporting appraisal value. | 03/08/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI meets guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report shows no late or missed mortgage payments on prior property<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is below max guideline |
| 500_51 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation, by Desk Review, to support original appraisal value | 03/08/2021 Lender provided ARR supporting appraisal value. | 03/08/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 18.38% below maximum allowed of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 credit score. Minimum required is 700. |
| 500_51 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Loan origination date XXX; Post FEMA disaster declaration #XXX date XXX, effective date XXX, Wildfires and Straight-Line Winds. | 3/9/2021- Lender provided PDI reflecting no damages. | 3/9/2021- Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 18.38% below maximum allowed of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 credit score. Minimum required is 700. |
| 500_54 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting original appraised value. | 03/08/2021 Lender provided ARR supporting appraisal value. | 03/08/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years(no mgt report on CBR)<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has significant time in her profession(18years)<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%; guidelines maximum XXX%. |
| 500_54 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Appraisal is dated XXX no subsequent inspection since the FEMA Disaster XXX, Public Severe Winter Storms, Flooding, and Mudslides Severe Winter Storms, Flooding, and Mudslides. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years(no mgt report on CBR)<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has significant time in her profession(18years)<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%; guidelines maximum XXX%. |
| 500_58 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require minimum XXX tradelines. Borrowers have XXX open and active tradeline. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Lowered payment from $XXX to $XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing cash reserves $XXX months reserves. Reserves are not required due to 54.55% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.55 is below maximum LTV of 75%, 20.45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his Residence for 13 years. |
| 500_58 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash to borrower in the amount of $XXX exceeds the maximum amount allowed for Rate and Term Refinance. Per guidelines, the borrower may receive incidental cash back up to $XXX or 1.0%of the loan amount, whichever is greater, not to exceed $XXX on rate-and-term refinance transactions. 1% of the loan amount of $XXX is $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Lowered payment from $XXX to $XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing cash reserves $XXX months reserves. Reserves are not required due to 54.55% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.55 is below maximum LTV of 75%, 20.45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his Residence for 13 years. |
| 500_58 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval as Cash Out Refinance. Cash to borrower in the amount of $XXX exceeds the maximum amount allowed for Rate and Term Refinance. Per guidelines, the borrower may receive incidental cash back up to $XXX or 1.0% of the loan amount, whichever is greater, not to exceed $XXX on rate-and-term refinance transactions. 1% of the loan amount of $XXX is $XXX | 09/27/2021 lender provided Updated UW Worksheet & Approval | 09/27/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Lowered payment from $XXX to $XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing cash reserves $XXX months reserves. Reserves are not required due to 54.55% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.55 is below maximum LTV of 75%, 20.45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his Residence for 13 years. |
| 500_59 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Borrowers are using business Assets to close subject transaction. Per guidelines, missing LOE from borrowers describing the potential impact on the business if business funds are used for closing. | 09/29/2021 lender provided LOE | 09/29/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 776 qualifies 750 permissible AAA<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX actual PURCHASE transaction, less Cash to Close $XXX Reserves $XXX , XXX months PITIA. Reserves for XXX months are required due to 70% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence or 18 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 21 years. |
| 500_63 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 and not on the new FNMA form dated XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 27 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 6 years and 10 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 5.06% is 44.94% below maximum DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.33% is 11.67% below maximum LTV of 70%/ |
| 500_64 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Application Not Signed by Primary Borrower. | 10/14/2021 lender provided signed 1003 | 10/14/2021 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Credit score 677 qualifies 675 permissible BBB.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified and the total cash required to close $XXX plus the reserves required $XXX. Cash out $XXX .<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x 30X12 ; XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, fifteen (15) years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.13% ltv max 75%. |
| 500_64 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Income verification does not meet guidelines. CPA letter addressing XXX only. | 10/15/2021 lender response: Borrower Business License uploaded reflecting business from XXX which covers the XXX year XXX requirement. | 10/15/2021 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Credit score 677 qualifies 675 permissible BBB.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified and the total cash required to close $XXX plus the reserves required $XXX. Cash out $XXX .<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x 30X12 ; XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, fifteen (15) years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.13% ltv max 75%. |
| 500_64 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 25 is outside of approved variance of 10. XXX ordered on behalf of client. | 10/13/2021 XXX Desk Review received from XXX supporting appraisal value. | 10/13/2021 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Credit score 677 qualifies 675 permissible BBB.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified and the total cash required to close $XXX plus the reserves required $XXX. Cash out $XXX .<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x 30X12 ; XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, fifteen (15) years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.13% ltv max 75%. |
| 500_68 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines credit line usage ratio 20.99%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 13 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.83%Max LTV 80% |
| 500_70 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 and not on the new FNMA form dated XXX. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the max LTV of 75% by 5%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 787; guidelines minimum 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history on XXX Open Mortgages 0 x 30 for XXX and XXX months. Guidelines minimum 0 x 30 for XXX months. |
| 500_73 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has owned current business for the past 17 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has owned her business for the past 16 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have XXX tradelines, all with 0x30 pay history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 724; guidelines minimum 700. |
| 500_82 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 790, min 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified $XXX, Reserves no required due to 75% LTV |
| 500_83 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines. Assets $XXX or XXX months of PITI. Required Reserves XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 675. |
| 500_83 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | N/A B | N/A B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX; note dated XXX or XXX days greater than credit report. Per guidelines, the credit report is to be no greater than XXX days before the date of closing | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines. Assets $XXX or XXX months of PITI. Required Reserves XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 675. |
| 500_90 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Doc Magic cert in file reflects an LE was provided to borrower on XXX but that LE is missing from file. | 9/9/2021: Lender provided LE XXX | 9/9/2021; Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 3 years, 10 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0 x 30 for XXX months. Guidelines minimum 0 x 30 for XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 681 exceeds guideline min of 675<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines Credit line usage ratio 1.38%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 52.83%Max LTV 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 11.40%Max LTV 50% |
| 500_96 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Change in Circumstances Record in file reflects XXX Lock date and fee changes accordingly XXX, Revised LE after Lock date is missing from the file at time of review. | 9/13/2021: Lender provided LE XXX | 9/13/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 14.65%MAX DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: the borrower has a FICO score 739<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10 years |
| 500_96 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form dated XXX and not on the new FNMA form dated XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 14.65%MAX DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: the borrower has a FICO score 739<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10 years |
| 500_98 | XXXXXX | MD | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Verified Assets XXX XXX $XXX and XXX $XXX, total Assets $XXX. Final Settlement Statement Due from Buyer/Borrower is $XXX. Short Funds to Close $XXX | 11/08/2021 lender response: Funds to Close on bank statement uploaded reflecting funds of $XXX already transferred to escrow from XXX account XXX dated XXX prior to closing, therefore reducing the balance on this account used for total asset, therefore asset verification considering deposit already withdrawn & shown on bank statement not needed. 11/08/2021 XXX reviewed lender response. XXX account XXX dated XXX indicates wire out of $XXX was to XXX. The Escrow company on subject closing is XXX Exception remains 11/22/21 Affiliated Business disclosure provided reflecting XXX as affiliates and lender certification are connected and that they did receive these borrower funds. | 11/22/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 27 years and 7 months |
| 500_98 | XXXXXX | MD | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Cash Reserves/Short Funds to Close ($XXX) | 11/22/21 Affiliated Business disclosure provided reflecting XXX as affiliates and lender certification are connected and that they did receive these borrower funds, and borrower has sufficient PITIA reserves. | 11/22/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 27 years and 7 months |
| 500_109 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR IS NOT IN THE FILE. | 12/1/2021: Lender provided the ROR. | 12/1/2021: Exception satisfied, however, exception XXX generated as a result. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 31 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.36max LTV 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30 |
| 500_109 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied | D A | D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR IS MISSING | 12/1/2021: Lender provided the ROR. | 12/1/2021: Exception satisfied, however, exception XXX generated as a result. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 31 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.36max LTV 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30 |
| 500_109 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied | N/A B | N/A B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | The disbursement date of XXX disclosed on PCCD XXX and Final Alta dated XXX is the same date as the expiration date disclosed on the right to cancel form. | 12/3/2021: Lender provided PCCD XXX and Final Alta statement reflecting the correct disbursement date of XXX. | 12/3/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 31 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.36max LTV 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30 |
| 500_112 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Number of mortgaged properties XXX exceeds guideline limit XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 qualifies 750 permissible AAA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.37% ltv qualifies up to 65% permissible. |
| 500_112 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Provide evidence of rent loss insurance coverage, as required by guidelines for investment property. | 09/22/2021 lender provided Updated Insurance Policy reflecting Rent Loss for up to XXX month | 09/22/2021 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x 30X24 ; XXX months XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 qualifies 750 permissible AAA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.37% ltv qualifies up to 65% permissible. |
| 500_113 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application date is XXX Initial LE is dated XXX | 10/14/2021: Lender provided LE XXX | 10/14/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 10 years and 6 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 24.67% is 50.33% below maximum LTV of 75% for credit score of 687 (per Lender Credit report.)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing cash reserves $XXX Months reserves. No reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 13.54% is 36.46% below maximum DTI of 50%. |
| 500_113 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 27 is outside of approved variance of 10. XXX ordered on behalf of client. | 10/21/2021 XXX Desk Review received from XXX supporting appraisal value. | 10/21/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 10 years and 6 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 24.67% is 50.33% below maximum LTV of 75% for credit score of 687 (per Lender Credit report.)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing cash reserves $XXX Months reserves. No reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 13.54% is 36.46% below maximum DTI of 50%. |
| 500_117 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Number of mortgaged properties XXX exceeds guideline limit XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% ltv qualifies up to 75% permissible.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 683 qualifies 675 permissible BBB.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $XXX and the total cash required to close $XXX= $XXX months reserves. XXX months reserves required. |
| 500_118 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | NMLS reflects LO names as XXX, 1003/Note and Mortgage show as XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.72% max 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX month PITI, no reserves required due to LTV < 75%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65%, max 80% |
| 500_118 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report is dated XXX and XXX days at closing XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.72% max 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX month PITI, no reserves required due to LTV < 75%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65%, max 80% |
| 500_118 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Verified XXX months mortgage history with Payment Transaction history in file, borrower prior to XXX rented (lease in file); Lender to provide additional XXX months rental history to meet GL XXX mo. Mortgage/Rent history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.72% max 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX month PITI, no reserves required due to LTV < 75%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65%, max 80% |
| 500_120 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value | 09/20/2021 XXX Desk Review received from XXX supporting appraisal value. | 09/20/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his Residence for 8 Years .<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITIA. Reserves are not required due to 70% LTV. |
| 500_128 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 14 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines credit line usage ratio 34.15%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.85%max DTI 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 71.79; guidelines max 80%. |
| 500_131 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Doc Magic cert in file reflects LEs XXX and XXX were provided to borrower but the LEs are missing from file. | 9/17/2021: Lender provided LEs XXX XXX | 9/17/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX for 12 years and 7 months.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Verified Assets $XXX .Cash from borrower at Closing $XXX = Reserves $XXX or XXX months PITI. XXX months reserves required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower have significant time of 25 years in current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower have significant time of 12 years and 7 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of XXX exceed guideline requirement. |
| 500_132 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Change in Circumstances reflects the lock date of XXX and associated fee changes as of the same date. The file was missing revised LE dated XXX at time of review. | 9/13/2021: Lender provided LE XXX | 9/13/2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in post closes reserves ./. PITIA of $XXX= XXX months of reserves. No reserves required for 70% LTV.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has several tradelines all with a 0x30 pay history.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX in the same line of business for the past 5 years. |
| 500_133 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX actual purchase transaction, less Cash to Close $XXX, Reserves $XXX. XXX for months PITIA. Reserves for XXX months are required due to 70% LTV. |
| 500_134 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 10 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%; guidelines maximum 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.36%; guidelines maximum 50%. |
| 500_135 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE dated XXX was issued. Missing LE dated XXX | 9/24/2021: Lender provided LE XXX | 9/24/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his residence for 3 Years and 6 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: VOR verified 0 x 30 for XXX months. Guidelines minimum of 0 x 30 for XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 9 years and 3 months. |
| 500_135 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | State Rate Spread | Active | B | B | CMPSRS1206 | CT Non-Prime, First Mortgage Disclosure Missing | No | Missing CT Non-Prime First Mortgage Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his residence for 3 Years and 6 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: VOR verified 0 x 30 for XXX months. Guidelines minimum of 0 x 30 for XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 9 years and 3 months. |
| 500_137 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided at current residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50%max LTV 80%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Co-Borrower has a FICO score 693; guidelines minimum 675. |
| 500_139 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | A minimum credit depth of XXX acceptable tradelines required per guidelines. The borrower has XXX open tradeline | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves: $XXX or XXX months No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70%MAX LTV 75% |
| 500_139 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 14 outside of approved variance | 10/25/2021 CDA Desk Review received from XXX supporting appraisal value. | 10/25/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves: $XXX or XXX months No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70%MAX LTV 75% |
| 500_139 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | second valuation not In tolerance. Appraised value: $XXX AVM value dated XXX: $XXX Variance of 10.40% out of approved variance of 10% | 10/25/2021 CDA Desk Review received from XXX supporting appraisal value. | 10/25/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves: $XXX or XXX months No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70%MAX LTV 75% |
| 500_142 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower have significant time of 9 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 732, min 725<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower have good credit history. |
| 500_147 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance increase between CD XXX and CD XXX by $XXX. The Credit Report fee increased without valid documentation. | 10/18/2021: Lender provided PCCD XXX, refund check of $XXX, proof of delivery and LOE. | 10/18/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXX or XXX months; XXX months Reserves required per guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.85%Max DTI 50% |
| 500_147 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file. | 9/23/2021: Lender provided Seller CD. | 9/23/2021: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXX or XXX months; XXX months Reserves required per guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.85%Max DTI 50% |
| 500_151 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | The loan officer's middle names are not listed on the NMLS. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x25, GL require 0x30x12<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739, min 725<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.21%, Max 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 32.23%, Max 80% |
| 500_156 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 13 is outside of approved variance of 10. XXX ordered on behalf of client. | 10/04/2021 XXX Desk Review received from XXX supporting appraisal value. | 10/04/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX mo. PITI, XXX mo. PITI required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower have significant time of 47 years in current residence. |
| 500_157 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX with Note dated XXX, CBR was stale dated XXX days at closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.00% is lower than the Program Guidelines of 75.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITI, Reserves not required do to LTV < 75% |
| 500_159 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | A | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance coverage of $XXX is insufficient for Loan Amount of $XXX. | 09/22/2021 lender provided Cost New on Appraisal reflecting dwelling coverage sufficient covering new cost estimate on appraisal | 09/22/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60%MAX LTV 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14 years and 11 months |
| 500_159 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Note date: XXX HOI Effective date XXXXXX dry funding state | 09/22/2021 lender provided hazard insurance policy | 09/22/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60%MAX LTV 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14 years and 11 months |
| 500_161 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No Inspection since the XXX FEMA Disaster - XXX | 12/14/2021 lender provided Property Inspection report, dated XXX indicating no damage. | 12/14/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.81%MAX DTI 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 27 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves XXX or XXX months PITIA, XXX months PITIA required |
| 500_166 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX, Most recent FSD score 23 is outside of approved variance of 10. | 09/16/2021 lender replied to please proceed ordering Desk review report. 09/27/2021 XXX Desk Review received from XXX supporting appraisal value. | 09/27/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 707 qualifies 700 permissible for A grade.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITI, Reserves are not required due to 71.99% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.99% LTV, max 80% |
| 500_168 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX is greater than XXX days for note dated XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 exceeds maximum credit score of 750, 20 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject property for 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.080% is 32.92% below maximum LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX. , cash required to close $XXX = Post-closing cash reserves $XXX months reserves. No reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.13% is 14.87% below the maximum DTI of 50%. |
| 500_168 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 18 is outside of approved variance of 10. XXX ordered on behalf of client. | 11/02/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/02/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 exceeds maximum credit score of 750, 20 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject property for 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.080% is 32.92% below maximum LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX. , cash required to close $XXX = Post-closing cash reserves $XXX months reserves. No reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.13% is 14.87% below the maximum DTI of 50%. |
| 500_168 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Value | Satisfied | N/A | N/A B | PRVAVALU5249 | Property Value Not Supported | No | Property Value is not supported by updated valuation. Appraised Value $XXX, AVM $XXX or 20.42%, and exceeds approved tolerance of 10.0%. XXX ordered on behalf of client. | 11/02/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/02/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 exceeds maximum credit score of 750, 20 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject property for 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.080% is 32.92% below maximum LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $XXX. , cash required to close $XXX = Post-closing cash reserves $XXX months reserves. No reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.13% is 14.87% below the maximum DTI of 50%. |
| 500_170 | XXXXXX | OR | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2275 | Missing pre-payment penalty addendum | No | The pre-payment penalty addendum referenced on the note is missing from file. | 10/26/2021 lender provided PPP addendum to Note | 10/26/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 23%, max 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX; No reserves required due to LTV < 75% |
| 500_172 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Per XXX Guidelines, Credit Report to be no greater than XXX days old as of the date of closing. Credit Report dated XXX and Note dated XXX, or XXX days between dates. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 688; guideline minimum 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24 years and 10 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65%MAX LTV 75% |
| 500_172 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 20 is outside of approved variance of 10. XXX ordered on behalf of client. | 11/02/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/02/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 688; guideline minimum 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24 years and 10 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65%MAX LTV 75% |
| 500_175 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 0.25 is outside of approved variance of 10. XXX ordered on behalf of client. | 10/04/2021 XXX Desk Review received from XXX supporting appraisal value. | 10/04/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned present residence for 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is 10% below maximum for Foreign National of 70% LTV. |
| 500_176 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Property Value is not supported by updated valuation. Appraised Value $XXX, AVM $XXX or 12.973%, and exceeds approved tolerance of 10.0%. XXX ordered on behalf of client. | 10/14/2021 XXX Desk Review received from XXX supporting appraisal value. | 10/14/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his residence for 10Years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.86is below required LTV per guidelines OF 70%. |
| 500_183 | XXXXXX | OH | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | per the credit report dated XXX, the borrower has XXX open tradeline. The second tradeline on the credit report is an authorized user. One additional trade line from VOR. Per the guidelines XXX tradelines are required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITI. Reserves are not required due to 65.00% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 786; guideline minimum 750. |
| 500_184 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history (XXX) 0x30x59; guidelines minimum 0 x 30 for XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%, max 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 17.68 months PITIA, GL require XXX mo. PITIA |
| 500_185 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject purchase, Borrower will have XXX open mortgages with XXX. Guidelines limit is XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782; guidelines minimum 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment History on nine Open mortgages of 0 x 30 forXXX months; guidelines minimum 0 x 30 for XXX months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history on XXX Open mortgages and XXX Closed mortgages 0 x 30. |
| 500_185 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 0.29 is outside of approved variance. Clayton ordered on behalf of client. | 09/27/2021 XXX Desk Review received from XXX supporting appraisal value. | 09/27/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782; guidelines minimum 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment History on nine Open mortgages of 0 x 30 forXXX months; guidelines minimum 0 x 30 for XXX months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history on XXX Open mortgages and XXX Closed mortgages 0 x 30. |
| 500_185 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Appraised value: $XXXAVM value: $XXX Variance Percent: -17.85%. Clayton ordered on behalf of client. | 09/27/2021 XXX Desk Review received from XXX supporting appraisal value. | 09/27/2021 exception satsified | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 782; guidelines minimum 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment History on nine Open mortgages of 0 x 30 forXXX months; guidelines minimum 0 x 30 for XXX months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history on XXX Open mortgages and XXX Closed mortgages 0 x 30. |
| 500_186 | XXXXXX | OR | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX; note dated XXX or XXX days from credit report. Per guidelines, the credit report is to be no greater than XXX days of closing | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX OR XXX months PITIA, guidelines required 0 months PITIA. |
| 500_187 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years at current resident, borrower owns.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX or XXX months PITIA. No reserves required. |
| 500_191 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 73.33%; guidelines maximum 80% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 692; guidelines minimum Credit Score for Credit Grade BBB of 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in his Residence for 3Years and 6 Months |
| 500_192 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit Report dated XXX, with Note dated XXX. Guidelines state Credit report to be no greater than XXX days old as of closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 663 qualifying score. Min required per guidelines is 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 21.62%, max per guidelines is 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have significant time of 15 years 7 months in current job. |
| 500_193 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D B | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE dated XXX was issued. Missing LE dated XXX. | 10/18/2021: Lender provided LE XXX. | 10/18/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.78% is 32.22% below maximum LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 exceeds minimum credit score of 675, 23 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing cash reserves $XXX Months reserves. No reserves required |
| 500_193 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D B | D | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 50 is outside of approved variance of 10. XXX ordered on behalf of client. | 11/05/2021 XXXX Desk Review received from XXX. | 11.05.2021- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.78% is 32.22% below maximum LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 exceeds minimum credit score of 675, 23 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing cash reserves $XXX Months reserves. No reserves required |
| 500_193 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D B | D | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Missing updated valuation to support original appraisal value. XXX ordered on behalf of client. | 11.11.2021 (XXX) disclose -10.57% variance with a value of $XXX and the OA value is $XXX. A Field Review is required. 11/29/2021 Lender provided BPO. Exception remains. BPO is not an approved source of valuation product, based on XXX Lending valuation waterfall. Field Review required. 1/5/2022- Lender provided Field review supporting appraisal value . | 1/5/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.78% is 32.22% below maximum LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 exceeds minimum credit score of 675, 23 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: XXX months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing cash reserves $XXX Months reserves. No reserves required |
| 500_196 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITI. Reserves are not required due to 60% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60%; guidelines maximum LTV 70%. |
| 500_200 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report, dated XXX, is greater than XXX days of note, dated XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 730 exceeds 5% of minimum credit score of 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX months reserves. No reserves required. |
| 500_201 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years |
| 500_202 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D B | C | A | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Homeowners counseling organizations list is missing. | 10/18/2021: Lender provided Housing Counseling List. | 10/18/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history credit score 796 no accounts XXX days late.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 35.18%, max 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years ownership at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves (cash out at closing) $XXX or XXX months PITI; Reserves not required due to LTV <75% |
| 500_202 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing Initial LE XXX | 10/18/2021: Lender provided LE XXX | 10/18/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history credit score 796 no accounts XXX days late.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 35.18%, max 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years ownership at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves (cash out at closing) $XXX or XXX months PITI; Reserves not required due to LTV <75% |
| 500_202 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D B | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 17 is outside of approved variance of 10, Desk review ordered on behalf of client | 10/20/2021 XXX Desk Review received from XXX supporting appraisal value. | 10/20/2021 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history credit score 796 no accounts XXX days late.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 35.18%, max 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years ownership at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves (cash out at closing) $XXX or XXX months PITI; Reserves not required due to LTV <75% |
| 500_202 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D B | C | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Appraised value $XXX, AVM value $XXX difference of $XXX variance -27, 0627%, Desk review ordered on behalf of client | 10/20/2021 XXX Desk Review received from XXX supporting appraisal value. | 10/20/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history credit score 796 no accounts XXX days late.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 35.18%, max 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years ownership at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves (cash out at closing) $XXX or XXX months PITI; Reserves not required due to LTV <75% |
| 500_204 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form XXX and not on the new FNMA form dated XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.17%DTI 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines credit line usage ratio 11.31%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 11 years and 6 months |
| 500_204 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | The borrower has XXX open tradelines Per guidelines, a minimum of XXX tradelines are required | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.17%DTI 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines credit line usage ratio 11.31%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 11 years and 6 months |
| 500_204 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. XXX ordered on behalf of client. | 10/27/2021 CDA Desk Review received from XXX supporting appraisal value. | 10/27/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.17%DTI 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines credit line usage ratio 11.31%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 11 years and 6 months |
| 500_204 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 16.4 is outside of approved variance of 13. XXX ordered on behalf of client. | 10/27/2021 CDA Desk Review received from XXX supporting appraisal value. | 10/27/2021- Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.17%DTI 50%<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines credit line usage ratio 11.31%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 11 years and 6 months |
| 500_205 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX, Note date XXX, CBR stale date XXX days at closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.67%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.91%, max per guidelines is 50%. |
| 500_206 | XXXXXX | MD | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report stale dated at closing. Credit Report dated XXX with Note dated XXX. Credit Report was stale dated XXX days at closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 qualifying score. Min required per guidelines is 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITI, reserves not required due to 75% LTV |
| 500_214 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. XXX ordered on behalf of client. | 10/25/2021 CDA Desk Review received from XXX supporting appraisal value. | 10/25/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 FICO ok 750 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x 30X12 ; XXX months XXX mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITIA. Required Reserves of XXX months PITIA. |
| 500_218 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower have significant time of 9 years in current residence. |
| 500_219 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60.91%MAX LTV 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 710 exceeds guidelines minimum of 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: XXX open tradelines credit line usage ratio XXX% |
| 500_224 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX and stale dated > XXX days at closing XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX or XXX months PITI. No reserves required due to LTV 75%. |
| 500_226 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit Report is dated XXX, Note is dated XXX, or XXX days between dates. Guidelines maximum age of Credit Report at closing is XXX days. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 784. Minimum required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITIA. No reserves required due to 75% LTV. |
| 500_228 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score 25 outside of approved variance 10. XXX ordered on behalf of client. | 10/25/2021 CDA Desk Review received from XXX supporting appraisal value. | 10/25/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 26 years and 11 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: DTI 75%; MAX DTI 80% |
| 500_230 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, Reserves not required due to 75% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 763 exceeds guidelines minimum of 750<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x25, GL require 0x30x12 |
| 500_231 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require minimum of XXX tradelines, and Borrower has only XXX open/active tradelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 710 qualifying score. Min required per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00%; max allowed per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 11 years. |
| 500_242 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. XXX ordered on behalf of client. | 11/24/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/24/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. |
| 500_242 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Fema Disaster- Hurricane XXX | The FEMA issue is designated as Individual and Public which is an material exception. The incorrect comment that was provided are for non-material Fema issue. Issue is an material exception and cant be downgraded. Correct comments updated. 12/15/2021 lender provided Property Inspection report, dated XXX, indicating no damage. | 12/15/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. |
| 500_243 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.00 is lower than the Program Guidelines of 80.00<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at the current residence. |
| 500_250 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD dated and signed on XXX is earliest CD in file. Per Email in file the initial CD was provided on XXX and is missing from file. | 12/1/2021: Lender provided initial CD dated XXX. | 12/1/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.50%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing expense reduced by 70.18%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for XXX years and XXX months. |
| 500_250 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD dated and signed on XXX is earliest CD in file. Per Email in file the initial CD was provided on XXX and is missing from file. | 12/1/2021: Lender provided initial CD dated XXX. | 12/1/2021: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.50%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing expense reduced by 70.18%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for XXX years and XXX months. |
| 500_250 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC152 | Missing verbal VOE required by guidelines | No | Missing verbal VOE within XXX days prior to closing for Co-borrower XXX. | 12/01/2021 lender provided VVOE | 12/01/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.50%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing expense reduced by 70.18%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for XXX years and XXX months. |
| 500_250 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | C | A D C | C | A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Although, appraisal date is within the guidelines, appraisal was done for the purchase of subject property. Loan is being refinance to pay hard money loan. | 11/29/2021 lender response: Per Pg XXX of the most recent iteration of the appraisal in file, this was completed for a refinance transaction, uploading report for review. | 11/29/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.50%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for XXX months when XXX months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qualifying score. Min required per guidelines is 750.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing expense reduced by 70.18%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for XXX years and XXX months. |
| 500_251 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form 1003 and not on the new FNMA form dated XXX. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash to close is $XXX. Post-closing cash reserves are $XXX months reserves. No reserves required. |
| 500_254 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | 10/27/2021 CDA Desk Review received from XXX supporting appraisal value. | (No Data) | 10/27/2021 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 Years ownership at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history with minimal usage.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 715; guidelines minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITIA. Reserves are not required due to 75% LTV. |
| 500_255 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | Federal Consumer Protection | Satisfied | C A | C A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | The Loan Originator Name "XXX" does not match ID XXX The name listed on the Note/Mortgage "XXX does match the ID number and is active | 11/15/2021 lender response: Corrected Final 1003 reflecting correct originator company uploaded. The NMLS# for this company is valid and belongs to XXX of the main company as it was validated in file | 11/15/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 68.63%; max allowed per guidelines is 80%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX in the same profession for 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score. Min required per guidelines is 750<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for XXX months when XXX months are required. redit report with a mortgage rating of 0x30x30 |
| 500_257 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Mortgage reflects Borrower XXX, a married couple, Warranty Deed vesting is XXX, a married woman; Lender to provide either corrected mortgage matching XXX vesting or corrected Warranty Deed to match Mortgage and copy of intent to rerecord corrected document. | 12/03/2021 lender provided Corrected Mortgage, rerecorded XXX | 12/03/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759, min 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30X21, GL require 0x30x12<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, GL require XXX mo. PITIA. |
| 500_257 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value, XXX ordered Desk review on behalf of client. | 10/27/2021 CDA Desk Review received from XXX supporting appraisal value. | 10/27/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759, min 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30X21, GL require 0x30x12<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, GL require XXX mo. PITIA. |
| 500_261 | XXXXXX | WA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX and stale dated XXX days at closing XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x143, GL require 0x30x12.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves equal $XXX or XXX months PITIA. No reserves required due to LTV 75%. |
| 500_263 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x59<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years and 10 months |
| 500_265 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x39, required 0x30x12<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 776, min 750 |
| 500_266 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5yrs at current residence. |
| 500_268 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 qualifying score. Min required per guidelines is 650 |
| 500_277 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified cash reserves $XXX, reserves not required due to XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 673 minimum 650.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30X42; XXX months Select Portfolio mortgage.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 7.58% DTI maximum 50%. |
| 500_282 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 years and 9 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash to borrower at closing $XXX equals reserves $XXX or XXX months PITIA |
| 500_283 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 28 months when 24 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 47%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750. |
| 500_285 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. XXX ordered on behalf of client | 11/10/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/10/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years. |
| 500_286 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Application taken on XXX and completed on the old form XXX and not on the new XXX form dated XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%MAX LTV XXX%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 26 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX, No reserves required due to LTV XXX% |
| 500_289 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | # of Tradelines Does Not Meet Guideline Requirements. XXX only has XXX, minimum of XXXrequired. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 19.15%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 638 qualifying score. Min required per guidelines is 600. |
| 500_289 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics disclosed -11.8519% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX ordered on behalf of client. | 01/14/2022- XXX Desk Review received from XXX supporting appraisal value. | 01/14/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 19.15%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 638 qualifying score. Min required per guidelines is 600. |
| 500_290 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Assets: verified at $XXX cash required to close = (-$XXX) short funds to close, Lender to provide additional asset required to cover short to close funds of $XXX. | 11/17/2021 lender response: XXX statement used for asset uploaded reflecting XXX month with sufficient balance to cover the funds to close shortage | 11/17/2021 exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x28, GL require 0x60 |
| 500_290 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. XXX ordered on behalf of client | 11/22/21 Received XXX Desk Review dated XXX supporting original appraised value $XXX with zero variance | 11/22/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x28, GL require 0x60 |
| 500_291 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.29%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_291 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | B | A D | B | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Per guidelines, borrower should have a XXX history of receiving stable income. The CPA letter provided did not verify length of business. The business license provided reflected file date XXX. There was only XXX month of business bank statement, which was not used to verify income. | 11/08/2021 lender response: Business Verification uploaded reflecting XXX years of XXX. Note that only XXX month of personal bank statement used11/08/2021 XXX reviewed lender response. Business verification from XXX for XXX indicates Status is Inactive. Exception remains12/13/2021 lender response: Uploading articles of incorporation for one of borrower's XXX that is over XXX years. Per XXX guidelines we only need to document that borrower themselves have been XXX for at least XXX years and not each of their XXX. | 12/13/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 725.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.29%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_293 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 62 months when XXX months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA |
| 500_294 | XXXXXX | SC | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | CA Value disclosed -43.85% variance with an AMV value of $XXX and the OA value is $XXX. A desk review is required. XXX ordered on behalf of client. | 11/01/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/01/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months reviewed. XXX months required. 0X30 mortgage history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence. Mortgage free and clear.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 qualifying score. Minimum required per guidelines is 725. |
| 500_295 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 25 is outside of approved variance of 10. | 11/17/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/17/2021 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 10 years/<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 52 months when XXX months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.12%, max per guidelines is 50%. |
| 500_296 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%MAX LTV XXX%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years and 8 months |
| 500_297 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC191 | Missing Mortgage | No | Mortgage is missing from file. | 11.11.2021- Lender provided mortgage. | 11.11.2021- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years and 3 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 57 months when XXX months are required. |
| 500_298 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Missing verification of tax preparer, as required by guidelines. | 11/18/2021 lender provided CPA verification | 11/18/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX as a handy man for 29 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.11%, max per guidelines is 50%. |
| 500_298 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 16 is outside of approved variance of 10. XXX ordered on behalf of client. | 11/19/21 XXX XXX received supporting OA value within XXX% | 11/19/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX as a handy man for 29 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.11%, max per guidelines is 50%. |
| 500_301 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Compliance | RESPA | Active | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing the homeowners counseling organizations list. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.49%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 816 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30X14<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 5 years |
| 500_301 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. XXX ordered on behalf of client | 11/12/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/12/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.49%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 816 qualifying score. Min required per guidelines is 750.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30X14<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 5 years |
| 500_306 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has XXX open/active tradelines. Guidelines require minimum XXX tradelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0 x 30 for XXX Months. Guidelines minimum 0 x 30 for XXX months. |
| 500_306 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. XXX ordered on behalf of client. | 11/16/2021 XXX Desk Review received from XXX supporting appraisal value. | 11/16/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0 x 30 for XXX Months. Guidelines minimum 0 x 30 for XXX months. |
| 500_308 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Yes, The orig file does not contain a third party fraud report. | 11/05/2021 lender provided XXX Fraud Reporting | 11/05/2021 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x25 months, XXX months are required. |
| 500_308 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Active | B | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Gift Letter amount $XXX, does not match cashiers check $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x25 months, XXX months are required. |
| 500_311 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 10 years |
| 500_313 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 10.13%, max per guidelines is 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX with for 12 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_314 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 653, required min. 575<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x41, GL require XXX mo. 0x30x12 |
| 500_319 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | DTI | Active | B | B | CRDDTI187 | Debt Ratio > 50% | No | DTI is 52.66% max allowed per guidelines is 50%. 52.66% DTI derived using $XXX income. Lender 45.63% DTI derived from using $XXX income | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX, reserves not required due to XXX% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX.%; max allowed per guidelines is XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 10 years. |
| 500_319 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. | 11/19/21 received XXX XXX supporting OA value | 11/19/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX, reserves not required due to XXX% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX.%; max allowed per guidelines is XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 10 years. |
| 500_323 | XXXXXX | OK | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Asset summary in file reflect funds of $XXX- Cash required to close $XXX(including EMD) = funds short to close ($XXX). Lender to provide XXX months consecutive asset statement to support EMD clearing bank and sufficient funds to close. | 11/05/2021 lender response: Per XXX 8.4 in guideline, verification of the seasoning of funds to close is not required on loans of XXX% or less. Having LTV for this loan at XXX does not require asset verification | 11/05/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_323 | XXXXXX | OK | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Asset documentation missing, Provide asset documentation. | 11/05/2021 lender response: Copy of EMD Check Cleared by Title uploaded and sufficient for EMD verification. Also, Per XXX 8.4 in guideline, verification of the seasoning of funds to close is not required on loans of XXX% or less. | 11/05/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_325 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x26<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX mo. PITI, GL require 12 mo. PITI |
| 500_327 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Borrower is using XXX Assets for subject closing. Per Guidelines, missing required Borrower LOE describing the potential impact on the business if business funds are used for closing. | 12/07/2021 Lender provided Funds to close LOE | 12/07/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 0 x 30 for XXX months when XXX months are required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.91%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_328 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per XXX matrix, loan closed in an ineligible state. Hawaii was not an approved state to fund. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 credit score exceeds guidelines of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% guidelines requirement 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX at current residence 11 years rent free.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX. or XXX months of PITIARequired PITIA Reserves are $XXX, as negative Cash Flow. |
| 500_328 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX to order on behalf of client. | 11/22/21 Desk review received dated XXX supporting original appraised value $XXX with zero variance | 11/22/21 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 credit score exceeds guidelines of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% guidelines requirement 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XXX at current residence 11 years rent free.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX. or XXX months of PITIARequired PITIA Reserves are $XXX, as negative Cash Flow. |
| 500_329 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 qualifying score. Min required per guidelines is 675<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX in the same profession for 5 years and 4 months |
| 500_330 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.55%, max per guidelines is 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_331 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 91, AVM FSD of 9, exceeded max of 8. XXX ordered Desk Review on behalf of Client. | 1.10.2022- XXX Desk Review received from XXX supporting appraisal value. | 1.10.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Per 1003 Loan application, Borrower has resided at current address for 5 years. |
| 500_335 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.73. MAX DTI 50<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX or XX months PITIA verified. XXX months reserves required due to LTV XXX%. |
| 500_339 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX. for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qualifying score. Min required per guidelines is 750.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 21%, max per guidelines is 50%. |
| 500_340 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 692, guidelines minimum 675.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0 x 30 for XXX and XXX months on open mortgages; guidelines minimum is 0 x XXX for XXX months |
| 500_341 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV below Lender guidelines |
| 500_350 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective date XXX is greater than the disbursement date XXX . Lender must provide evidence insurance was in effect as of disbursement date XXX. | 01/04/2022 lender response: Insurance uploaded reflecting effective date of disbursement. it is acceptable to XXX if disbursement date is within insurance effective date even if note/closing date is outside insurance coverage. generally loan should be either covered by insurance from when is Closing OR when is DisbursingDate of Disbursement XXX and effective date of coverage is XXX. | 01/04/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rental payment history 0x30x42, max required 0x30x12.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 13.60%, max per guidelines is 50%. |
| 500_356 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 7.4 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_358 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or xxx months PITI. Reserves are not required due to XXX% LTV and > XXX DSCR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 qualifying score. Min required per guidelines is 700. |
| 500_359 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has XXX open/active tradelines and only XXX aged XXX years, GL require a min of XXX acceptable tradelines aged individually for a min of XXX years required for LTV's > XXX%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines XXX% XXX property<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 672 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX, reserves not required due to LTV < XXX%. |
| 500_363 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 24.58%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: DTI is 748%, max per guidelines is 575%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been XXX with XX for 12 years. |
| 500_366 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_369 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective date XXX is greater than the transaction date close XXX disbursement date XXX; Lender to provide evidence of HOI in effect day of disbursement. | 1.5.2022- Lender provided dec page reflecting XXX-XXX. | 1.5.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX mo. PITIA, reserves not required due to XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x99, Max 0x30x12<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 10.04%, max per guidelines is 50%. |
| 500_369 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL100 | Legal document incorrect or incomplete | No | Purchase contract pg. XXX reflects Full Purchase Price $XXX; HUD settlement statement reflects Purchase Price $XXX; Lender to provide updated sales contract supporting Purchase Price $XXX. | 12/16/2021 lender provided Correct Purchase Contract | 12/16/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX mo. PITIA, reserves not required due to XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x99, Max 0x30x12<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 10.04%, max per guidelines is 50%. |
| 500_369 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 70. AVM FSD of 30, exceeded max of 10. Desk Review required. XXX Ordered on behalf of client. | 12/08/2021 XXX Desk Review received from XXX supporting appraisal value. | 12/08/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX mo. PITIA, reserves not required due to XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x99, Max 0x30x12<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 10.04%, max per guidelines is 50%. |
| 500_372 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 18.76%, max per guidelines is 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX 20 years. |
| 500_378 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 82. AVM FSD of 18, exceeded max of 10. XXX order Desk Review on behalf of Client. | 03/08/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/08/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 9 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV XXX% File LTV XXX%. |
| 500_379 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV below guideline requirements XXX%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years 3 months at current residence |
| 500_381 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 90. AVM FSD of 10, exceeded max of 8. XXX order Desk Review on behalf of Client. | 4.11.2022- Desk review provided supporting appraisal value. | 4.11.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 qualifying score. Min required per guidelines is 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_382 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken XXX, earliest LE in file is XXX. Greater than the required XXX days. | 4/1/2022: Lender provided initial LE XXX. | 4/1/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a business owner of XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_382 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH148 | Credit report stale dated at closing | No | The credit report dated XXX or XXX days before the note dated XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a business owner of XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_382 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 90. AVM FSD of 10, exceeded max of 8. XXX ordered Desk Review on behalf of Client. | 4.11.2022- Desk review provided supporting appraisal value. | 4.11.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a business owner of XXX for 13 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_383 | XXXXXX | AL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approvals for correct property type of XXX with XXX. Lender approvals in file are for XXX property. | 04/01/2022 lender provided Updated UW Worksheet & Approval reflecting XXX | 04/01/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITIA. Required Reserves required of XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying score. Min required per guidelines is 750. |
| 500_383 | XXXXXX | AL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 79. AVM FSD of 21, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 03/30/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/30/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITIA. Required Reserves required of XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying score. Min required per guidelines is 750. |
| 500_383 | XXXXXX | AL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -22.08% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX ordered on behalf of client. | 03/30/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/30/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX months PITIA. Required Reserves required of XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying score. Min required per guidelines is 750. |
| 500_384 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 89. AVM FSD of 11, exceeded max of 10. XXX order Desk Review on behalf of Client. | 03/14/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned present residence for 24 years and 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX 24 years and 4 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 57 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX/XXX months reserves. |
| 500_384 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. XXX order Desk Review on behalf of Client. | 03/14/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned present residence for 24 years and 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX 24 years and 4 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 57 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX/XXX months reserves. |
| 500_385 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 03/14/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 57 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_386 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX order Desk Review on behalf of Client. | 03/14/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/14/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_386 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -88.34% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX order Desk Review on behalf of Client. | 03/14/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/14/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_387 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 79. AVM FSD of 21, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 04/20/2022- XXX Desk Review received from XXX supporting appraisal value. | 04/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years. |
| 500_388 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history on two Open Mortgages is for 15 and 47 months when 12 months are required. |
| 500_390 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for Rate & Term Refinance. Borrower brought $XXX to closing and qualified as Rate & Term. Lender approvals in the file are for Cash Out Refinance. | 03/15/2022 lender provided Updated UW Worksheet & Approval reflecting R/T refinance | 03/15/2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 qualifying score. Min required per guidelines is 750. |
| 500_390 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -28.00% variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. XXX ordered on behalf of client. | 03/10/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/10/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 qualifying score. Min required per guidelines is 750. |
| 500_391 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX , and confidence score of 73. AVM FSD of 27, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 03/08/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/08/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: At current residence 20 years and 10 months<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the last two years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash asset/reserves from cash in hand $XXX exceed guidelines; Reserves not required. |
| 500_392 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX mo. PITI, reserves not required due to XXX% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 770, min 750<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 22.11%, max per guidelines is 50%. |
| 500_394 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Borrower provided evidence of carbon monoxide detector by photos and receipt. Exception remains. Rating Agency required a 1004D to clear appraisal that is not as is. | 05/02/2022 lender provided 1004D | 05/02/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 qualifying score. Min required per guidelines is 675.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_395 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Number of tradelines does not meet guideline requirements of three. Borrower has XXX open tradeline. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%..<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 39 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, Reserves are not required. |
| 500_395 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX , and confidence score of 89. AVM FSD of 11, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/21/2022- XXX Desk Review received from XXX supporting appraisal value. | 04/21/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%..<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 39 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, Reserves are not required. |
| 500_396 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Subject loan is one of XXX loans with this lender. All XXX loans are Non-Occupied Owner. Lender Guidelines limit loans to the same Borrower at XXX, with one being Owner-Occupied. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months differential . |
| 500_396 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 3.8.2022- AVM provided supporting appraisal value | 3.8.2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months differential . |
| 500_398 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. XXX order on behalf of Client. | 2/25/22 AVM received supporting appraised value | 2/25/22 Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x87, Max 0x30x12<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, reserves not required due to XXX% LTV |
| 500_398 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 50. AVM FSD of 50, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 03/07/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/07/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30x87, Max 0x30x12<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, reserves not required due to XXX% LTV |
| 500_399 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 746 exceeds the Program Guidelines of 725.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at the current residence. |
| 500_400 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 500_401 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer for 28 years and 5 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is XXX% below maximum LTV of XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 34 months mortgage history with no late pays.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.43% is 13.57% below maximum DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. XXX months reserves. No reserves required. |
| 500_402 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | The Total of Payments CD value of $XXX on final CD XXX does not match the review value of $XXX. The Title-Notary fee increase on PCCD. Difference of $XXX due to borrower. 130(b) or (c) cure: refund money to borrower in the amount understated, client permission, LOX and redisclosed CD; reopen rescission if the loan is rescindable. | 4/14/2022: Lender provided an email disclosing the broker-paid title-notary fee and stated this is part of the $XXX lender credit for increased closing costs disclosed on PCCD XXX in file. | 4/14/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 qualifying score. Min required per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV XXX% File LTV XXX%. |
| 500_404 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV XXX%; guidelines maximum XXX%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or XXX months PITIA. No reserves required. |
| 500_408 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER4865 | Missing gap coverage | No | Condo Master Policy in file expired XXX. | 04/04/2022 lender provided Most Recent Condo Master Policy | 04/04/2022 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 90 months when 12 months are required.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 6 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX. for 23 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_408 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX , and confidence score of 75. AVM FSD of 25, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 03/15/2022- XXX Desk Review received from XXX supporting appraisal value. | 03/15/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 90 months when 12 months are required.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 6 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX. for 23 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_414 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 year at current residence. |
| 500_415 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA; due to < XXX DSCR and > XXX% LTV, guidelines Reserves Required XXX months Negative Cash Flow $XXX - $XXX = $XXX = $XXX + XXX months PITIA $XXX x XXX = $XXX = Total Required Reserves $XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_417 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months PITI reserves; Reserves are not required. |
| 500_420 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 85. AVM FSD of 15, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/21/2022- XXX Desk Review received from XXX supporting appraisal value. | 04/21/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 9 years and 9 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Post closing cash reserves $XXX/XXX months reserves. XXX months Reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 99 months mortgage history with no late pays. |
| 500_423 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months differential . |
| 500_426 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA. |
| 500_432 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | The COC reflects the rate first locked on XXX after the first LE was provided to borrower and Doc Magic cert reflects an LE was provided on XXX but that LE is missing from file. | 4/6/2022: Client provided LE XXX. | 4/6/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 43 years in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 17.32%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_432 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Assets | Active | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $XXX plus cash to borrower $XXX equals $XXX or XXX months PITIA. Per guidelines XXX months reserves required for purchase and R/T. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 43 years in current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File DTI 17.32%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%. |
| 500_435 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present residence for 24 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 31 years and 2 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX. Cash to close $XXX. Post-closing cash reserves $XXX/XXX months reserses. XXX months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43% is 7% below maximum DTI of 50%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 28 months mortgage history with no late pays. |
| 500_437 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Provide third party fraud report. | 04/01/2022 lender provided XXX Fraud Reporting | 04/01/2022 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV XXX% File LTV XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years and 9 months at current residence. |
| 500_438 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX and confidence score of 87. AVM FSD of 13, exceeded max of 10. XXX order Desk Review on behalf of Client. | 04/20/2022- XXX Desk Review received from XXX supporting appraisal value. | 04/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 qualifying score. Min required per guidelines is 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 5 months in current residence. |
| 500_443 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score. Min required per guidelines is 725.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 20.51%, max per guidelines is 50%. |
| 500_446 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or XXX months PITIA. No reserves required. |
| 500_448 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP130 | Application is incomplete | No | Missing lender's credit report, reflecting Mid Score of 644. | 04/11/2022 lender provided Lender Credit Report dated XXX | exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 644 qualifying score. Min required per guidelines is 625.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years and 9 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV XXX% File LTV XXX%. |
| 500_460 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for correct Doc Type of XXX months Personal Bank Statements. Lender approval in the credit file indicate Doc Type is Full Doc. | 04/04/2022 lender provided Updated UW Worksheet & Approval reflecting XXX | 04/04/2022 exception satsified | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.77%, max per guidelines is 50%. |
| 500_460 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 86. AVM FSD of 14, exceeded max of 10. XXX ordered Desk Review on behalf of Client. | 04/20/2022- CDA Desk Review received from Clear Capital supporting appraisal value. | 04/20/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.77%, max per guidelines is 50%. |
| 500_460 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Property Valuations | Property | Active | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Properties in areas built up under XXX%9.2 INELIGIBLE PROPERTY TYPES | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 43.77%, max per guidelines is 50%. |
| 500_467 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation supporting an appraised value of $XXXAVM was received with a reported value of XXX which does support the original appraised value | (No Data) | Exception Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 late payments on both the XXX and XXX mortgages verified over XXX months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX over 20 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 16 years |
| 500_470 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines limit number of open loans with the same borrower at any one time to a maximum of XXX. If there are more than XXX loans to one borrower, one must be owner occupied and limited to XXX units in same condominium project. Borrower owns all XXX units, with XXX mortgages, in same condominium project, with a total of XXX units in the project. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 769; guidelines minimum 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment History 0 x 30 for XXX months; guidelines minimum 0 XXX for XXX months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 6 open tradelines credit line usage ratio 19.06% |
| 500_470 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 0.41 (41) is outside of approved variance of 10. XXX ordered on behalf of client. | 09/22/2021 XXX Desk Review received from XXX supporting appraisal value. | 09/22/2021- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 769; guidelines minimum 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment History 0 x 30 for XXX months; guidelines minimum 0 XXX for XXX months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 6 open tradelines credit line usage ratio 19.06% |
| 500_474 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No | Verified Assets XXX #XXX dated XXX with balance $XXX, XXX #XXX dated XXX with balance $XXX, for total verified Assets of $XXX. Per PCCD, $XXX is required Cash to Close. Funds short to close are $XXX. | 12/06/2021 lender response: Sec 8.4 in guideline, verification of the seasoning of funds to close is not required on loans of XXX% or less. the LTV for this loan is XXX% | 12/06/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; max allowed per guidelines is XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.47%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 816 qualifying score. Min required per guidelines is 575.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years. |
| 500_476 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Final Settlement Statement indicates Impounds were not collected and were waived. Applicable Rate Sheet & Matrix is dated XXX. Request to Waive Impounds is not available for XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1752: No Verified Compensating Factors<br> - Clayton Comments: DSCR loan, with no verified compensating factors. |
| 500_479 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV XXX%. File LTV XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $XXX less cash from borrower $XXX equals $XXX or XXX months PITIA. No reserves required. |

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## Exhibit 99.2

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2023-NQM2** |
| **Start - End Dates:** | **7/19/2019 - 4/15/2022** |
| **Deal Loan Count:** | **183** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *183* |
| ***Loans with Conditions:*** | *123* |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 500_1 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 500_2 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 500_3 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 500_4 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 500_5 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_554 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_531 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 500_10 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 500_12 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 500_15 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_16 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | No |
| 500_17 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_25 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 500_29 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_30 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 500_32 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_34 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 500_37 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_39 | Yes | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 500_40 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_555 | Yes | XXXXXX | XXXXXX D A C | C | A D C | C | A | No |
| 500_44 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 500_46 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | No |
| 500_49 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_50 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_51 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_54 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 500_58 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 500_59 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Yes |
| 500_63 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_64 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_68 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_70 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 500_73 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_82 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_83 | Yes | XXXXXX | XXXXXX A B | A | A B | A | A | Not Applicable |
| 500_90 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 500_96 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 500_98 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 500_109 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 500_112 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 500_113 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 500_117 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_118 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | Yes |
| 500_120 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_128 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_131 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 500_132 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 500_133 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_134 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_135 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 500_137 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_139 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 500_142 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_147 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 500_151 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 500_156 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_157 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_159 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 500_161 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 500_166 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_168 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_170 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_172 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 500_175 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 500_176 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | No |
| 500_183 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_184 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_185 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 500_186 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_187 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_191 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_192 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_193 | Yes | XXXXXX | XXXXXX D A | D | A D B | D | A | Not Applicable |
| 500_196 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_200 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_201 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_202 | Yes | XXXXXX | XXXXXX D A | C | A D B | C | A | No |
| 500_204 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 500_205 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 500_206 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 500_214 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 500_218 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_219 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_224 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_226 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_228 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_230 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_231 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_242 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_243 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_250 | Yes | XXXXXX | XXXXXX D A C | C | A D C | C | A | Not Applicable |
| 500_251 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_254 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_255 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 500_257 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | No |
| 500_261 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_263 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_265 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_266 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_268 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_277 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_282 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_283 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 500_285 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_286 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_289 | Yes | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 500_290 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 500_291 | Yes | XXXXXX | XXXXXX D A | B | A D | B | A | Not Applicable |
| 500_293 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_294 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 500_295 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_296 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_297 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 500_298 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_301 | Yes | XXXXXX | XXXXXX D B A | B | B D A | B | B | Not Applicable |
| 500_306 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 500_308 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 500_311 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_313 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_314 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 500_319 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 500_323 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 500_325 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_327 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 500_328 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 500_329 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_330 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_331 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_335 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_339 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_340 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_341 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_350 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 500_356 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_358 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_359 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 500_363 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_366 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_369 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_372 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_378 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 500_379 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_381 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_382 | Yes | XXXXXX | XXXXXX D B A | C | A D B | C | A | Not Applicable |
| 500_383 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 500_384 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_385 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_386 | Yes | XXXXXX | XXXXXX D A | A | A D B | A | A | Not Applicable |
| 500_387 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_388 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_390 | Yes | XXXXXX | XXXXXX D A C | A | A D B C | A | A | Not Applicable |
| 500_391 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_392 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_394 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_395 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 500_396 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 500_398 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_399 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_400 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_401 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 500_402 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 500_404 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_408 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 500_414 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_415 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_417 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_420 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_423 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 500_426 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_432 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 500_435 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_437 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_438 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_443 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_446 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 500_448 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 500_460 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 500_467 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 500_470 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 500_474 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 500_476 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 500_479 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | BRAVO 2023-NQM2 |
| **Start - End Dates:** | 7/19/2019 - 4/15/2022 |
| **Deal Loan Count:** | 183 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *183* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 500_554 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| 500_554 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 500_554 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | NIVA |
| 500_555 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 500_555 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 500_555 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 500_555 | XXXXXX | Min Rate At First Adj | 4.000 | 4.300 |
| 500_555 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 500_555 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_2 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_3 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_5 | XXXXXX | Representative Credit Score for Grading | 681 | 679 |
| 500_5 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_531 | XXXXXX | Representative Credit Score for Grading | 777 | 774 |
| 500_10 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 500_12 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_16 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_17 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_25 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_25 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_29 | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 500_29 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 500_29 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_30 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_32 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_34 | XXXXXX | Debt to Income Ratio (Back) | 28.6000 | 25.2097 |
| 500_34 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_37 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_37 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_40 | XXXXXX | Debt to Income Ratio (Back) | 21.2000 | 17.7078 |
| 500_40 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_63 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 500_63 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 500_64 | XXXXXX | Debt to Income Ratio (Back) | 23.0000 | 25.0517 |
| 500_64 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_68 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 500_68 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_70 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_82 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 500_82 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 500_90 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 500_98 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_109 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_109 | XXXXXX | Representative Credit Score for Grading | 767 | 759 |
| 500_109 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_117 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_117 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 500_118 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 500_120 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_120 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 500_128 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_131 | XXXXXX | Debt to Income Ratio (Back) | 42.9000 | 47.0040 |
| 500_131 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_132 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_133 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 500_133 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| 500_133 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 500_133 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 500_137 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 500_137 | XXXXXX | Product Type | 7/1 ARM | 5/1 ARM |
| 500_139 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_142 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_151 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_156 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_157 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_159 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 500_168 | XXXXXX | Debt to Income Ratio (Back) | 28.7000 | 35.1296 |
| 500_170 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_175 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 500_175 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_176 | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 500_185 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 500_187 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_192 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 500_193 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_196 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_200 | XXXXXX | Property Type | SFR | Detached PUD |
| 500_201 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 500_202 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_206 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 500_224 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_226 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_230 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_231 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_243 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_250 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 500_250 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_255 | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 500_255 | XXXXXX | Debt to Income Ratio (Back) | 37.0000 | 32.7576 |
| 500_255 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 500_255 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_257 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 500_265 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 500_268 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_277 | XXXXXX | Representative Credit Score for Grading | 673 | 667 |
| 500_277 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_283 | XXXXXX | Debt to Income Ratio (Back) | 33.1000 | 44.0367 |
| 500_283 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_289 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_291 | XXXXXX | Debt to Income Ratio (Back) | 27.9000 | 16.2904 |
| 500_291 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_293 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 500_293 | XXXXXX | Representative Credit Score for Grading | 766 | 769 |
| 500_298 | XXXXXX | Debt to Income Ratio (Back) | 45.1000 | 23.1147 |
| 500_298 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_301 | XXXXXX | Debt to Income Ratio (Back) | 11.9000 | 16.4865 |
| 500_301 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_308 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_311 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_313 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_314 | XXXXXX | Debt to Income Ratio (Back) | 35.8000 | 38.8448 |
| 500_314 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_319 | XXXXXX | Debt to Income Ratio (Back) | 43.4000 | 52.6645 |
| 500_319 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_328 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_329 | XXXXXX | Debt to Income Ratio (Back) | 44.2000 | 46.5812 |
| 500_329 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_335 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_339 | XXXXXX | Debt to Income Ratio (Back) | 17.3000 | 12.7156 |
| 500_339 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 500_339 | XXXXXX | Product Type | 7/1 I/O ARM | Jumbo 5/1 ARM IO |
| 500_339 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_340 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 500_350 | XXXXXX | Debt to Income Ratio (Back) | 20.6000 | 13.6009 |
| 500_359 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_363 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| 500_369 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_378 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 500_381 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 500_381 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_382 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_383 | XXXXXX | Property Type | 2 Family | SFR |
| 500_383 | XXXXXX | Representative Credit Score for Grading | 798 | 781 |
| 500_384 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_385 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_386 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 500_386 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 500_386 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 500_390 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 500_392 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_395 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_395 | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 500_396 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_398 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_399 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 500_399 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 500_400 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 500_400 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_401 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_402 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 500_402 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 500_402 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_404 | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 500_404 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 500_404 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 500_408 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_408 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 500_423 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_426 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_432 | XXXXXX | Representative Credit Score for Grading | 769 | 750 |
| 500_438 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_448 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_460 | XXXXXX | Debt to Income Ratio (Back) | 30.4000 | 43.7731 |
| 500_460 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 500_470 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_470 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| 500_474 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_476 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_476 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 500_479 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 500_479 | XXXXXX | Property Type | Condotel | High Rise Condo (9+) |
| 500_44 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 500_44 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 500_44 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mixed Use |
| 500_46 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 500_46 | XXXXXX | Property Type | Detached PUD | Mixed Use |
| 500_49 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 500_49 | XXXXXX | Debt to Income Ratio (Back) | 34.3500 | 45.2851 |
| 500_49 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 500_49 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 500_49 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 500_49 | XXXXXX | Representative Credit Score for Grading | 724 | 728 |
| 500_50 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 500_50 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 500_50 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 500_51 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 500_51 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 500_51 | XXXXXX | Next Rate Change Date | XXXXXX | XXXXXX |
| 500_51 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 500_54 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 500_54 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 500_54 | XXXXXX | Origination Date | XXXXXX | XXXXXX |

---

©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| &nbsp;&nbsp;**Loan Number** | &nbsp;&nbsp;**Seller Loan Number** | &nbsp;&nbsp;**Borrower 1 Last Name** | &nbsp;&nbsp;**Borrower 1 First Name** | &nbsp;&nbsp;**Borrower 2 Guarantor Flag** | &nbsp;&nbsp;**Borrower 2 Last Name** | &nbsp;&nbsp;**Borrower 2 First Name** | &nbsp;&nbsp;**Borrower 3 Guarantor Flag** | &nbsp;&nbsp;**Borrower 3 Last Name** | &nbsp;&nbsp;**Borrower 3 First Name** | &nbsp;&nbsp;**Borrower 4 Guarantor Flag** | &nbsp;&nbsp;**Borrower 4 Last Name** | &nbsp;&nbsp;**Borrower 4 First Name** | &nbsp;&nbsp;**Borrowing Entity Name** | &nbsp;&nbsp;**Borrower 2 Borrowing Entity Name** | &nbsp;&nbsp;**Address Street** | &nbsp;&nbsp;**Address Street 2** | &nbsp;&nbsp;**Address City** | &nbsp;&nbsp;**Address State** | &nbsp;&nbsp;**Address Zip** | &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Note Status** | &nbsp;&nbsp;**Original Principal Balance** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;**Note Rate** | &nbsp;&nbsp;**Note P&I** | &nbsp;&nbsp;**Payment Frequency** | &nbsp;&nbsp;**Maturity Date** | &nbsp;&nbsp;**Note Term** | &nbsp;&nbsp;**Amortized Term** | &nbsp;&nbsp;**Balloon** | &nbsp;&nbsp;**Balloon Term** | &nbsp;&nbsp;**Interest Only Period** | &nbsp;&nbsp;**Interest Only Term** | &nbsp;&nbsp;**Prepayment Penalty** | &nbsp;&nbsp;**Prepayment Penalty Term** | &nbsp;&nbsp;**Prepayment Penalty Type** | &nbsp;&nbsp;**Buydown** | &nbsp;&nbsp;**Buydown Period** | &nbsp;&nbsp;**Index** | &nbsp;&nbsp;**Look Back Period** | &nbsp;&nbsp;**Margin** | &nbsp;&nbsp;**Rounding Method** | &nbsp;&nbsp;**Max Rate At First Adj** | &nbsp;&nbsp;**Min Rate At First Adj** | &nbsp;&nbsp;**Rate Change Frequency** | &nbsp;&nbsp;**Payment Change Frequency** | &nbsp;&nbsp;**First Rate Change Date** | &nbsp;&nbsp;**First Payment Change Date** | &nbsp;&nbsp;**Next Rate Change Date** | &nbsp;&nbsp;**Next Pay Change Date** | &nbsp;&nbsp;**Periodic Rate Cap** | &nbsp;&nbsp;**Negative Amortization Principal Cap** | &nbsp;&nbsp;**Periodic Payment Cap Code** | &nbsp;&nbsp;**Maximum Rate** | &nbsp;&nbsp;**Minimum Rate** | &nbsp;&nbsp;**Lender Name** | &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Modified** | &nbsp;&nbsp;**Reason For Modification** | &nbsp;&nbsp;**Mod Product Type** | &nbsp;&nbsp;**Modified Note Status** | &nbsp;&nbsp;**Modified Note Date** | &nbsp;&nbsp;**Note Amort Type Mod** | &nbsp;&nbsp;**Loan Amount Mod** | &nbsp;&nbsp;**Note Rate Mod** | &nbsp;&nbsp;**Note P&I Mod** | &nbsp;&nbsp;**Payment Frequency Mod** | &nbsp;&nbsp;**First Payment Date Mod** | &nbsp;&nbsp;**Maturity Date Mod** | &nbsp;&nbsp;**Loan Term Mod** | &nbsp;&nbsp;**Balloon Mod** | &nbsp;&nbsp;**Balloon Term Mod** | &nbsp;&nbsp;**Interest Only Period Mod** | &nbsp;&nbsp;**Interest Only Term Mod** | &nbsp;&nbsp;**Index Mod** | &nbsp;&nbsp;**Lookback Period Mod** | &nbsp;&nbsp;**Margin Mod** | &nbsp;&nbsp;**Rounding Method Mod** | &nbsp;&nbsp;**Max Rate At First Adj Mod** | &nbsp;&nbsp;**Min Rate At First Adj Mod** | &nbsp;&nbsp;**Rate Change Frequency Mod** | &nbsp;&nbsp;**Pay Change Frequency Mod** | &nbsp;&nbsp;**First Rate Change Date Mod** | &nbsp;&nbsp;**First Payment Change Date Mod** | &nbsp;&nbsp;**Next Rate Change Date Mod** | &nbsp;&nbsp;**Next Pay Change Date Mod** | &nbsp;&nbsp;**Periodic Rate Cap Mod** | &nbsp;&nbsp;**Negative Amortization Principal Cap Mod** | &nbsp;&nbsp;**Periodic Payment Cap Code Mod** | &nbsp;&nbsp;**Maximum Rate Mod** | &nbsp;&nbsp;**Minimum Rate Mod** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Cash To Borrower At Close** | &nbsp;&nbsp;**Total Cash Out** | &nbsp;&nbsp;**Appraisal Status** | &nbsp;&nbsp;**Appraisal Form** | &nbsp;&nbsp;**Appraisal Date** | &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Sales Price** | &nbsp;&nbsp;**Value for LTV** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Number of Units** | &nbsp;&nbsp;**Year Built** | &nbsp;&nbsp;**Location** | &nbsp;&nbsp;**Occupancy Status** | &nbsp;&nbsp;**Appraisal Made** | &nbsp;&nbsp;**Site Value** | &nbsp;&nbsp;**Appraisal Review Type** | &nbsp;&nbsp;**Appraisal Review Value** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**HCLTV** | &nbsp;&nbsp;**Mortgage Status** | &nbsp;&nbsp;**County** | &nbsp;&nbsp;**MIN Number** | &nbsp;&nbsp;**Transaction Date** | &nbsp;&nbsp;**Assumable** | &nbsp;&nbsp;**Mandatory Arbitration** | &nbsp;&nbsp;**Mortgage Insurance Required Indicator** | &nbsp;&nbsp;**Mortgage Cert in File** | &nbsp;&nbsp;**MI Paid By Borrower or Lender** | &nbsp;&nbsp;**MI Cert Number** | &nbsp;&nbsp;**MI Company** | &nbsp;&nbsp;**MI Percent of Coverage** | &nbsp;&nbsp;**MI Monthly Payment** | &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Title Status** | &nbsp;&nbsp;**Other Liens** | &nbsp;&nbsp;**Other Lien Balance** | &nbsp;&nbsp;**Other Lien Payment** | &nbsp;&nbsp;**Title Doc Type** | &nbsp;&nbsp;**Title Interest Type** | &nbsp;&nbsp;**Property Tax Amount** | &nbsp;&nbsp;**Hazard Insurance Premium Amount** | &nbsp;&nbsp;**Flood Insurance Issuer** | &nbsp;&nbsp;**Flood Insurance Policy Mandatory** | &nbsp;&nbsp;**Flood Insurance Premium Amount** | &nbsp;&nbsp;**HOA Monthly Premium Amount** | &nbsp;&nbsp;**Application Status** | &nbsp;&nbsp;**Application Date** | &nbsp;&nbsp;**Number In Household** | &nbsp;&nbsp;**Relocation Loan** | &nbsp;&nbsp;**Credit Report Status** | &nbsp;&nbsp;**Credit Report Date** | &nbsp;&nbsp;**Longest Tradeline** | &nbsp;&nbsp;**Max Tradeline Amount** | &nbsp;&nbsp;**Number of Tradelines Open** | &nbsp;&nbsp;**Late Payments x30** | &nbsp;&nbsp;**Late Payments x60** | &nbsp;&nbsp;**Late Payments x90** | &nbsp;&nbsp;**Borrower 1 SSN** | &nbsp;&nbsp;**Borrower 1 Date of Birth** | &nbsp;&nbsp;**Borrower 1 Age** | &nbsp;&nbsp;**Borrower 1 Occupation** | &nbsp;&nbsp;**Borrower 1 Years On Job** | &nbsp;&nbsp;**Borrower 1 Years In Field** | &nbsp;&nbsp;**Borrower 1 Self Employed** | &nbsp;&nbsp;**Borrower 1 First Time Home Buyer** | &nbsp;&nbsp;**Borrower 1 Gender** | &nbsp;&nbsp;**Borrower 1 US Citizen** | &nbsp;&nbsp;**Borrower 1 Permanent Resident** | &nbsp;&nbsp;**Borrower 1 Non Permanent Resident** | &nbsp;&nbsp;**Borrower 1 Residency Basis Type** | &nbsp;&nbsp;**Borrower 1 Residency Duration Years** | &nbsp;&nbsp;**Borrower 1 Ethnicity** | &nbsp;&nbsp;**Borrower 1 Race** | &nbsp;&nbsp;**Borrower 1 Race 2** | &nbsp;&nbsp;**Borrower 1 Race 3** | &nbsp;&nbsp;**Borrower 1 Race 4** | &nbsp;&nbsp;**Borrower 1 Race 5** | &nbsp;&nbsp;**Borrower 1 Equifax Credit Score** | &nbsp;&nbsp;**Borrower 1 Experian Credit Score** | &nbsp;&nbsp;**Borrower 1 Transunion Credit Score** | &nbsp;&nbsp;**Borrower 1 Total Income** | &nbsp;&nbsp;**Borrower 2 SSN** | &nbsp;&nbsp;**Borrower 2 Date Of Birth** | &nbsp;&nbsp;**Borrower 2 Age** | &nbsp;&nbsp;**Borrower 2 Occupation** | &nbsp;&nbsp;**Borrower 2 Years On Job** | &nbsp;&nbsp;**Borrower 2 Years In Field** | &nbsp;&nbsp;**Borrower 2 Self Employed** | &nbsp;&nbsp;**Borrower 2 First Time Home Buyer** | &nbsp;&nbsp;**Borrower 2 Gender** | &nbsp;&nbsp;**Borrower 2 US Citizen** | &nbsp;&nbsp;**Borrower 2 Permanent Resident** | &nbsp;&nbsp;**Borrower 2 Non Permanent Resident** | &nbsp;&nbsp;**Borrower 2 Residency Basis Type** | &nbsp;&nbsp;**Borrower 2 Residency Duration Years** | &nbsp;&nbsp;**Borrower 2 Ethnicity** | &nbsp;&nbsp;**Borrower 2 Race** | &nbsp;&nbsp;**Borrower 2 Race 2** | &nbsp;&nbsp;**Borrower 2 Race 3** | &nbsp;&nbsp;**Borrower 2 Race 4** | &nbsp;&nbsp;**Borrower 2 Race 5** | &nbsp;&nbsp;**Borrower 2 Equifax Credit Score** | &nbsp;&nbsp;**Borrower 2 Experian Credit Score** | &nbsp;&nbsp;**Borrower 2 Transunion Credit Score** | &nbsp;&nbsp;**Borrower 2 Total Income** | &nbsp;&nbsp;**Current Balance** | &nbsp;&nbsp;**Current P&I** | &nbsp;&nbsp;**Representative Credit Score** | &nbsp;&nbsp;**Total Monthly Income** | &nbsp;&nbsp;**Total Remaining Gross Monthly Income** | &nbsp;&nbsp;**DTI (Front)** | &nbsp;&nbsp;**DTI (Back)** | &nbsp;&nbsp;**Total Monthly Expenses** | &nbsp;&nbsp;**Primary Residence Expense** | &nbsp;&nbsp;**Total Assets** | &nbsp;&nbsp;**Effective Amount (Assets Used)** | &nbsp;&nbsp;**Liquid Assets** | &nbsp;&nbsp;**Total Cash Required From Borrower** | &nbsp;&nbsp;**Cash Reserves** | &nbsp;&nbsp;**Months PITI Reserves** | &nbsp;&nbsp;**Months PITI Reserves (Qual Rate)** | &nbsp;&nbsp;**Qualification Method** | &nbsp;&nbsp;**Qualifying Rate** | &nbsp;&nbsp;**Qualifying P&I** | &nbsp;&nbsp;**DTI Qualifying (Front)** | &nbsp;&nbsp;**DTI Qualifying (Back)** | &nbsp;&nbsp;**Loan Doc Type** | &nbsp;&nbsp;**AUS Underwritten** | &nbsp;&nbsp;**What AUS Was Used** | &nbsp;&nbsp;**AUS Grade** | &nbsp;&nbsp;**HUD 1 Status** | &nbsp;&nbsp;**Disbursement Date** | &nbsp;&nbsp;**Good Faith Estimate Status** | &nbsp;&nbsp;**ROR Status** | &nbsp;&nbsp;**Early TIL Status** | &nbsp;&nbsp;**Corrected TIL Status** | &nbsp;&nbsp;**Final TIL Status** | &nbsp;&nbsp;**Active Material Exceptions** | &nbsp;&nbsp;**Active Non-Material Exceptions** | &nbsp;&nbsp;**Satisfied Exceptions** | &nbsp;&nbsp;**Waived Exceptions** | &nbsp;&nbsp;**Compensating Factors** | &nbsp;&nbsp;**General Comments** | &nbsp;&nbsp;**Loan Level ATR/QM Status** | &nbsp;&nbsp;**Initial Securitization Compliance Grade** | &nbsp;&nbsp;**Final Securitization Compliance Grade** | &nbsp;&nbsp;**Initial S&P Compliance Grade** |
| &nbsp;&nbsp;500_1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 30yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;76.31 | &nbsp;&nbsp;76.31 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;144.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/24/2021 | &nbsp;&nbsp;42 | &nbsp;&nbsp;6944.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;654 | &nbsp;&nbsp;766 | &nbsp;&nbsp;703 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;703 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;34.66 | &nbsp;&nbsp;34.66 | &nbsp;&nbsp;6499.67 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;29.75 | &nbsp;&nbsp;29.75 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.750 | &nbsp;&nbsp;5177.64 | &nbsp;&nbsp;34.66 | &nbsp;&nbsp;34.66 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;QM: Safe Harbor &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 30yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;79.84 | &nbsp;&nbsp;79.84 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Final Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;99.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;45.08 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/05/2021 | &nbsp;&nbsp;81 | &nbsp;&nbsp;13600.00 | &nbsp;&nbsp;15 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;747 | &nbsp;&nbsp;760 | &nbsp;&nbsp;716 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;705 | &nbsp;&nbsp;652 | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;22.48 | &nbsp;&nbsp;28.41 | &nbsp;&nbsp;7220.65 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;16.45 | &nbsp;&nbsp;16.45 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.125 | &nbsp;&nbsp;4240.92 | &nbsp;&nbsp;22.48 | &nbsp;&nbsp;28.41 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;QM: Safe Harbor &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;C &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 30yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;46.40 | &nbsp;&nbsp;46.40 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;136.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/06/2021 | &nbsp;&nbsp;13 | &nbsp;&nbsp;86549.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;763 | &nbsp;&nbsp;775 | &nbsp;&nbsp;779 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;771 | &nbsp;&nbsp;759 | &nbsp;&nbsp;768 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;768 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6.51 | &nbsp;&nbsp;21.04 | &nbsp;&nbsp;7679.97 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;9.91 | &nbsp;&nbsp;9.91 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.125 | &nbsp;&nbsp;3255.66 | &nbsp;&nbsp;6.51 | &nbsp;&nbsp;21.04 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;QM: Safe Harbor &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_4 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 30yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;541.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/17/2021 | &nbsp;&nbsp;341 | &nbsp;&nbsp;25320.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;784 | &nbsp;&nbsp;766 | &nbsp;&nbsp;778 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;778 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;19.3 | &nbsp;&nbsp;21.52 | &nbsp;&nbsp;8598.75 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.61 | &nbsp;&nbsp;12.61 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.625 | &nbsp;&nbsp;6065.49 | &nbsp;&nbsp;19.3 | &nbsp;&nbsp;21.52 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;QM: Safe Harbor &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_5 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 30yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;78.40 | &nbsp;&nbsp;78.40 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Final Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;207.44 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;04/21/2021 | &nbsp;&nbsp;64 | &nbsp;&nbsp;9000.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;761 | &nbsp;&nbsp;753 | &nbsp;&nbsp;770 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;705 | &nbsp;&nbsp;660 | &nbsp;&nbsp;679 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;679 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;32.69 | &nbsp;&nbsp;40.09 | &nbsp;&nbsp;7376.33 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;33.05 | &nbsp;&nbsp;33.05 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.500 | &nbsp;&nbsp;4400.64 | &nbsp;&nbsp;32.69 | &nbsp;&nbsp;40.09 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;QM: Safe Harbor &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_554 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;5/1 I/O ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 Month WSJ LIBOR (daily) | &nbsp;&nbsp;45 | &nbsp;&nbsp;4.000 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;7.9900 | &nbsp;&nbsp;5.990 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;10.9900 | &nbsp;&nbsp;5.9900 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;73.04 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/21/2019 | &nbsp;&nbsp;144 | &nbsp;&nbsp;23000.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;801 | &nbsp;&nbsp;806 | &nbsp;&nbsp;797 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;809 | &nbsp;&nbsp;777 | &nbsp;&nbsp;754 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;777 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7285.9 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.05 | &nbsp;&nbsp;9.63 | &nbsp;&nbsp;Qualifying Rate | &nbsp;&nbsp;7.990 | &nbsp;&nbsp;4544.31 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;NIVA | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_531 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of amt prepd in yr 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;59.78 | &nbsp;&nbsp;59.78 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;791.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;496.08 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/22/2021 | &nbsp;&nbsp;287 | &nbsp;&nbsp;53934.00 | &nbsp;&nbsp;11 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;774 | &nbsp;&nbsp;756 | &nbsp;&nbsp;788 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;774 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9755.1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;92.46 | &nbsp;&nbsp;92.46 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;7381.30 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_10 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;67.18 | &nbsp;&nbsp;67.18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;102.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/25/2021 | &nbsp;&nbsp;363 | &nbsp;&nbsp;10000.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;788 | &nbsp;&nbsp;806 | &nbsp;&nbsp;804 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;804 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2624.97 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.97 | &nbsp;&nbsp;0.97 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;1395.74 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_12 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;29.66 | &nbsp;&nbsp;29.66 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;135.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/12/2021 | &nbsp;&nbsp;124 | &nbsp;&nbsp;13500.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;814 | &nbsp;&nbsp;804 | &nbsp;&nbsp;800 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;804 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;31.51 | &nbsp;&nbsp;43.14 | &nbsp;&nbsp;1944.08 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;35.86 | &nbsp;&nbsp;35.86 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.375 | &nbsp;&nbsp;928.41 | &nbsp;&nbsp;31.51 | &nbsp;&nbsp;43.14 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_15 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.57 | &nbsp;&nbsp;69.57 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/20/2021 | &nbsp;&nbsp;124 | &nbsp;&nbsp;17000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;705 | &nbsp;&nbsp;778 | &nbsp;&nbsp;712 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;712 | &nbsp;&nbsp;711 | &nbsp;&nbsp;703 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;711 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9411.73 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;182.24 | &nbsp;&nbsp;182.24 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;533.45 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_16 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.94 | &nbsp;&nbsp;69.94 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;195.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/25/2021 | &nbsp;&nbsp;211 | &nbsp;&nbsp;26783.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;816 | &nbsp;&nbsp;791 | &nbsp;&nbsp;789 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;791 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;44.32 | &nbsp;&nbsp;44.75 | &nbsp;&nbsp;3633.61 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4.72 | &nbsp;&nbsp;4.72 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.750 | &nbsp;&nbsp;2672.18 | &nbsp;&nbsp;44.32 | &nbsp;&nbsp;44.75 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_17 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.89 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/29/2021 | &nbsp;&nbsp;1138 | &nbsp;&nbsp;100411.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;749 | &nbsp;&nbsp;754 | &nbsp;&nbsp;745 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;749 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1703.53 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;1388.89 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_25 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.72 | &nbsp;&nbsp;64.72 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;137.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2444.19 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.62 | &nbsp;&nbsp;2.62 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;1610.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_29 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;42.31 | &nbsp;&nbsp;42.31 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;225.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/21/2021 | &nbsp;&nbsp;98 | &nbsp;&nbsp;8500.00 | &nbsp;&nbsp;26 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;705 | &nbsp;&nbsp;673 | &nbsp;&nbsp;678 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;678 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;51.64 | &nbsp;&nbsp;4540.3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;51.7 | &nbsp;&nbsp;51.70 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;706.95 | &nbsp;&nbsp;0 | &nbsp;&nbsp;51.64 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_30 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;71.82 | &nbsp;&nbsp;71.82 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;135.39 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/24/2021 | &nbsp;&nbsp;126 | &nbsp;&nbsp;7000.00 | &nbsp;&nbsp;19 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;701 | &nbsp;&nbsp;638 | &nbsp;&nbsp;679 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;679 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;33.3 | &nbsp;&nbsp;47.77 | &nbsp;&nbsp;2609.92 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;24.93 | &nbsp;&nbsp;24.93 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.249 | &nbsp;&nbsp;1435.57 | &nbsp;&nbsp;33.3 | &nbsp;&nbsp;47.77 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_32 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5% of amt prepd | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;109.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;11/30/2021 | &nbsp;&nbsp;175 | &nbsp;&nbsp;30000.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;796 | &nbsp;&nbsp;793 | &nbsp;&nbsp;774 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;793 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1261 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;21.69 | &nbsp;&nbsp;21.69 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;844.88 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_34 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;37.09 | &nbsp;&nbsp;37.09 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;208.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/15/2021 | &nbsp;&nbsp;20 | &nbsp;&nbsp;1200.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;688 | &nbsp;&nbsp;762 | &nbsp;&nbsp;693 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;745 | &nbsp;&nbsp;779 | &nbsp;&nbsp;704 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;693 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;17.49 | &nbsp;&nbsp;25.21 | &nbsp;&nbsp;4877.86 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.89 | &nbsp;&nbsp;2.89 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;2492.44 | &nbsp;&nbsp;17.49 | &nbsp;&nbsp;25.21 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_37 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5% of UPB if amt prepd in 12 mos is >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;94.10 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2236.24 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;162.44 | &nbsp;&nbsp;162.44 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.990 | &nbsp;&nbsp;1635.02 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_39 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;54.81 | &nbsp;&nbsp;54.81 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;353.10 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;109.52 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/14/2022 | &nbsp;&nbsp;105 | &nbsp;&nbsp;12800.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;788 | &nbsp;&nbsp;775 | &nbsp;&nbsp;774 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;775 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;33.61 | &nbsp;&nbsp;35.02 | &nbsp;&nbsp;2427.86 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4.03 | &nbsp;&nbsp;4.03 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.375 | &nbsp;&nbsp;1422.97 | &nbsp;&nbsp;33.61 | &nbsp;&nbsp;35.03 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_40 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Full Appraisal | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;415.33 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;164.42 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/18/2022 | &nbsp;&nbsp;283 | &nbsp;&nbsp;60091.00 | &nbsp;&nbsp;16 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;678 | &nbsp;&nbsp;686 | &nbsp;&nbsp;704 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;686 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5.08 | &nbsp;&nbsp;17.71 | &nbsp;&nbsp;17985.48 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;132.33 | &nbsp;&nbsp;132.33 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.375 | &nbsp;&nbsp;10270.46 | &nbsp;&nbsp;5.08 | &nbsp;&nbsp;17.71 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_555 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 5/1 ARM IO | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 Month WSJ LIBOR (daily) | &nbsp;&nbsp;45 | &nbsp;&nbsp;4.000 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;8.3000 | &nbsp;&nbsp;4.300 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;11.3000 | &nbsp;&nbsp;4.0000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;163.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/29/2019 | &nbsp;&nbsp;246 | &nbsp;&nbsp;29389.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;672 | &nbsp;&nbsp;693 | &nbsp;&nbsp;695 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;689 | &nbsp;&nbsp;714 | &nbsp;&nbsp;701 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;693 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;31.25 | &nbsp;&nbsp;35.15 | &nbsp;&nbsp;7018.83 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;63.94 | &nbsp;&nbsp;55.72 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.300 | &nbsp;&nbsp;6065.94 | &nbsp;&nbsp;35.86 | &nbsp;&nbsp;39.76 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_44 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;5/1 ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;24 | &nbsp;&nbsp;2%, 1% of amt prepd in 12 mos that is >20% of OPB in year 1,2 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;4.950 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;8.5000 | &nbsp;&nbsp;6.500 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;12.5000 | &nbsp;&nbsp;6.5000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Mixed Use | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;314.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.04 | &nbsp;&nbsp;9.98 | &nbsp;&nbsp;14963.45 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Indexed, Fully Amortized | &nbsp;&nbsp;7.000 | &nbsp;&nbsp;2724.42 | &nbsp;&nbsp;7.04 | &nbsp;&nbsp;10.07 | &nbsp;&nbsp;SIVA | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_46 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;5/1 ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;24 | &nbsp;&nbsp;2%, 1% of OPB in year 1 and 2 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;4.950 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;8.3750 | &nbsp;&nbsp;6.375 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;12.3750 | &nbsp;&nbsp;6.3750 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Mixed Use | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.99 | &nbsp;&nbsp;69.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;101.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.17 | &nbsp;&nbsp;2.65 | &nbsp;&nbsp;12382.07 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;14.25 | &nbsp;&nbsp;14.25 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.375 | &nbsp;&nbsp;2423.12 | &nbsp;&nbsp;0.17 | &nbsp;&nbsp;2.65 | &nbsp;&nbsp;SIVA | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_49 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;7/1 ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;4.950 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;8.5000 | &nbsp;&nbsp;6.500 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;12.5000 | &nbsp;&nbsp;6.5000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;47.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;03/25/2019 | &nbsp;&nbsp;185 | &nbsp;&nbsp;64110.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;772 | &nbsp;&nbsp;703 | &nbsp;&nbsp;728 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;728 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3.34 | &nbsp;&nbsp;45.29 | &nbsp;&nbsp;41191.75 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.93 | &nbsp;&nbsp;20.54 | &nbsp;&nbsp;Fully Indexed, Fully Amortized | &nbsp;&nbsp;6.875 | &nbsp;&nbsp;1517.51 | &nbsp;&nbsp;3.4 | &nbsp;&nbsp;45.35 | &nbsp;&nbsp;SIVA | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_50 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;5/1 ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;3.500 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;7.7500 | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;11.7500 | &nbsp;&nbsp;5.7500 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;162.46 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;05/21/2019 | &nbsp;&nbsp;150 | &nbsp;&nbsp;5100.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;688 | &nbsp;&nbsp;671 | &nbsp;&nbsp;686 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;660 | &nbsp;&nbsp;674 | &nbsp;&nbsp;703 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;686 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;36.79 | &nbsp;&nbsp;49.18 | &nbsp;&nbsp;7176.25 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.54 | &nbsp;&nbsp;2.54 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;4785.30 | &nbsp;&nbsp;36.79 | &nbsp;&nbsp;49.18 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_51 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;5/1 ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;2.950 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;9.1250 | &nbsp;&nbsp;7.125 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;13.1250 | &nbsp;&nbsp;7.1250 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Retail | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;90.00 | &nbsp;&nbsp;90.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Final Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;122.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/03/2019 | &nbsp;&nbsp;65 | &nbsp;&nbsp;10800.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;705 | &nbsp;&nbsp;728 | &nbsp;&nbsp;704 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;705 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.36 | &nbsp;&nbsp;18.38 | &nbsp;&nbsp;6386.57 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3.2 | &nbsp;&nbsp;3.20 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;7.125 | &nbsp;&nbsp;3110.56 | &nbsp;&nbsp;10.36 | &nbsp;&nbsp;18.38 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_54 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;25.97 | &nbsp;&nbsp;25.97 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;55.72 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/18/2019 | &nbsp;&nbsp;50 | &nbsp;&nbsp;5305.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;561 | &nbsp;&nbsp;536 | &nbsp;&nbsp;642 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;561 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;42.9 | &nbsp;&nbsp;42.9 | &nbsp;&nbsp;918.72 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.499 | &nbsp;&nbsp;632.01 | &nbsp;&nbsp;42.9 | &nbsp;&nbsp;42.9 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_58 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;54.55 | &nbsp;&nbsp;54.55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;253.02 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;148.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/13/2021 | &nbsp;&nbsp;47 | &nbsp;&nbsp;5318.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;687 | &nbsp;&nbsp;705 | &nbsp;&nbsp;714 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;678 | &nbsp;&nbsp;689 | &nbsp;&nbsp;717 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;689 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1566.51 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;21.49 | &nbsp;&nbsp;21.49 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;925.46 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_59 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;57.71 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/24/2021 | &nbsp;&nbsp;199 | &nbsp;&nbsp;18633.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;776 | &nbsp;&nbsp;753 | &nbsp;&nbsp;787 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;776 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1.53 | &nbsp;&nbsp;6.81 | &nbsp;&nbsp;3679.68 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;116.81 | &nbsp;&nbsp;116.81 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.000 | &nbsp;&nbsp;769.60 | &nbsp;&nbsp;1.53 | &nbsp;&nbsp;6.81 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_63 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Full Appraisal | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;58.33 | &nbsp;&nbsp;58.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;304.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/18/2021 | &nbsp;&nbsp;333 | &nbsp;&nbsp;58400.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;723 | &nbsp;&nbsp;731 | &nbsp;&nbsp;748 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;731 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3.15 | &nbsp;&nbsp;5.06 | &nbsp;&nbsp;22242.49 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.66 | &nbsp;&nbsp;0.66 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.249 | &nbsp;&nbsp;12051.10 | &nbsp;&nbsp;3.15 | &nbsp;&nbsp;5.06 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_64 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;63.13 | &nbsp;&nbsp;63.13 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;135.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/12/2021 | &nbsp;&nbsp;365 | &nbsp;&nbsp;45300.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;690 | &nbsp;&nbsp;677 | &nbsp;&nbsp;647 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;677 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.41 | &nbsp;&nbsp;25.05 | &nbsp;&nbsp;7670.4 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.375 | &nbsp;&nbsp;3120.54 | &nbsp;&nbsp;12.41 | &nbsp;&nbsp;25.05 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_68 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;49.83 | &nbsp;&nbsp;49.83 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;110.43 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/30/2021 | &nbsp;&nbsp;252 | &nbsp;&nbsp;37788.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;779 | &nbsp;&nbsp;767 | &nbsp;&nbsp;801 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;779 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;45.82 | &nbsp;&nbsp;46.59 | &nbsp;&nbsp;4569.48 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5.86 | &nbsp;&nbsp;5.86 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.375 | &nbsp;&nbsp;3315.73 | &nbsp;&nbsp;45.82 | &nbsp;&nbsp;46.59 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_70 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;58.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/02/2021 | &nbsp;&nbsp;117 | &nbsp;&nbsp;6446.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;796 | &nbsp;&nbsp;787 | &nbsp;&nbsp;753 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;787 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3039.29 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4.87 | &nbsp;&nbsp;4.87 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;1596.06 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_73 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;76.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/04/2021 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;749 | &nbsp;&nbsp;752 | &nbsp;&nbsp;741 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;731 | &nbsp;&nbsp;724 | &nbsp;&nbsp;713 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;724 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;28.88 | &nbsp;&nbsp;28.88 | &nbsp;&nbsp;1964.1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;9.92 | &nbsp;&nbsp;9.92 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;1554.49 | &nbsp;&nbsp;28.88 | &nbsp;&nbsp;28.88 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_82 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;290.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;41.41 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/07/2021 | &nbsp;&nbsp;88 | &nbsp;&nbsp;38000.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;802 | &nbsp;&nbsp;790 | &nbsp;&nbsp;784 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;790 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2038.35 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;232.77 | &nbsp;&nbsp;232.77 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1508.25 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_83 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;79.63 | &nbsp;&nbsp;79.63 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;107.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/20/2021 | &nbsp;&nbsp;118 | &nbsp;&nbsp;24179.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;779 | &nbsp;&nbsp;689 | &nbsp;&nbsp;684 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;689 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;40.32 | &nbsp;&nbsp;49.95 | &nbsp;&nbsp;4748.14 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;29.12 | &nbsp;&nbsp;29.12 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.500 | &nbsp;&nbsp;2708.36 | &nbsp;&nbsp;40.32 | &nbsp;&nbsp;49.95 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_90 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;52.83 | &nbsp;&nbsp;52.83 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/21/2021 | &nbsp;&nbsp;87 | &nbsp;&nbsp;29600.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;804 | &nbsp;&nbsp;681 | &nbsp;&nbsp;673 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;681 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;11.4 | &nbsp;&nbsp;11.4 | &nbsp;&nbsp;1652.36 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.125 | &nbsp;&nbsp;1357.02 | &nbsp;&nbsp;11.4 | &nbsp;&nbsp;11.4 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_96 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;263.33 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;46.25 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/22/2021 | &nbsp;&nbsp;204 | &nbsp;&nbsp;45000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;734 | &nbsp;&nbsp;752 | &nbsp;&nbsp;739 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;739 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.31 | &nbsp;&nbsp;14.65 | &nbsp;&nbsp;3988.05 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;54.27 | &nbsp;&nbsp;54.27 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;1862.48 | &nbsp;&nbsp;10.31 | &nbsp;&nbsp;14.65 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;D &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_98 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;107.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1947.73 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;32.3 | &nbsp;&nbsp;32.30 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1000.21 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_109 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;49.36 | &nbsp;&nbsp;49.36 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;193.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/24/2021 | &nbsp;&nbsp;198 | &nbsp;&nbsp;33000.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;756 | &nbsp;&nbsp;791 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;17.86 | &nbsp;&nbsp;46.1 | &nbsp;&nbsp;14870.52 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.375 | &nbsp;&nbsp;3753.40 | &nbsp;&nbsp;17.86 | &nbsp;&nbsp;46.1 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_112 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;55.37 | &nbsp;&nbsp;55.37 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;74.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/24/2021 | &nbsp;&nbsp;25 | &nbsp;&nbsp;63607.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;766 | &nbsp;&nbsp;757 | &nbsp;&nbsp;761 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;796 | &nbsp;&nbsp;791 | &nbsp;&nbsp;789 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;761 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4391.93 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;188.56 | &nbsp;&nbsp;188.56 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.999 | &nbsp;&nbsp;1824.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_113 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;27.92 | &nbsp;&nbsp;27.92 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;161.49 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;68.33 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/25/2021 | &nbsp;&nbsp;112 | &nbsp;&nbsp;13894.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;695 | &nbsp;&nbsp;682 | &nbsp;&nbsp;687 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;687 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;8.04 | &nbsp;&nbsp;13.54 | &nbsp;&nbsp;5577.6 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;100.6 | &nbsp;&nbsp;100.60 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.999 | &nbsp;&nbsp;1766.23 | &nbsp;&nbsp;8.04 | &nbsp;&nbsp;13.54 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;C &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_117 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;3.750 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;7.6250 | &nbsp;&nbsp;5.625 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;11.6250 | &nbsp;&nbsp;5.6250 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Assumable upon credit approval | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;108.23 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/29/2021 | &nbsp;&nbsp;187 | &nbsp;&nbsp;27981.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;676 | &nbsp;&nbsp;720 | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8780.11 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;53.37 | &nbsp;&nbsp;53.37 | &nbsp;&nbsp;Start Rate | &nbsp;&nbsp;5.625 | &nbsp;&nbsp;6328.12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_118 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;111.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/30/2021 | &nbsp;&nbsp;229 | &nbsp;&nbsp;18200.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;707 | &nbsp;&nbsp;723 | &nbsp;&nbsp;715 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;716 | &nbsp;&nbsp;728 | &nbsp;&nbsp;726 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;715 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;22.77 | &nbsp;&nbsp;26.72 | &nbsp;&nbsp;3700.02 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;30.05 | &nbsp;&nbsp;30.05 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.250 | &nbsp;&nbsp;2765.94 | &nbsp;&nbsp;22.77 | &nbsp;&nbsp;26.72 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_120 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;213.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5305.2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;99 | &nbsp;&nbsp;99.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;2743.86 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_128 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;71.79 | &nbsp;&nbsp;71.79 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;88.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/02/2021 | &nbsp;&nbsp;64 | &nbsp;&nbsp;34672.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;766 | &nbsp;&nbsp;769 | &nbsp;&nbsp;762 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;766 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;23.5 | &nbsp;&nbsp;33.85 | &nbsp;&nbsp;2111.3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.499 | &nbsp;&nbsp;1018.32 | &nbsp;&nbsp;23.5 | &nbsp;&nbsp;33.85 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_131 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;68.72 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/10/2021 | &nbsp;&nbsp;121 | &nbsp;&nbsp;14206.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;755 | &nbsp;&nbsp;777 | &nbsp;&nbsp;752 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;700 | &nbsp;&nbsp;746 | &nbsp;&nbsp;699 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;700 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;30.07 | &nbsp;&nbsp;47 | &nbsp;&nbsp;5637.9 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.17 | &nbsp;&nbsp;69.17 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;2582.54 | &nbsp;&nbsp;30.07 | &nbsp;&nbsp;47 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_132 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;112.46 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/07/2021 | &nbsp;&nbsp;72 | &nbsp;&nbsp;17800.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;714 | &nbsp;&nbsp;594 | &nbsp;&nbsp;643 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;643 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;21.3 | &nbsp;&nbsp;43.57 | &nbsp;&nbsp;5321.98 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.58 | &nbsp;&nbsp;10.58 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.625 | &nbsp;&nbsp;1994.57 | &nbsp;&nbsp;21.3 | &nbsp;&nbsp;43.57 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_133 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;48.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1844.76 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;32.83 | &nbsp;&nbsp;32.83 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1592.92 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_134 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;145.12 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/09/2021 | &nbsp;&nbsp;57 | &nbsp;&nbsp;7500.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;657 | &nbsp;&nbsp;660 | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;753 | &nbsp;&nbsp;728 | &nbsp;&nbsp;729 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;660 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;24.4 | &nbsp;&nbsp;27.36 | &nbsp;&nbsp;2183.05 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;1154.95 | &nbsp;&nbsp;24.4 | &nbsp;&nbsp;27.36 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_135 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;383.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/13/2021 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4500.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;615 | &nbsp;&nbsp;627 | &nbsp;&nbsp;614 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;615 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;15.33 | &nbsp;&nbsp;16.41 | &nbsp;&nbsp;4337.93 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3.55 | &nbsp;&nbsp;3.55 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.500 | &nbsp;&nbsp;2539.02 | &nbsp;&nbsp;15.33 | &nbsp;&nbsp;16.41 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_137 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;5/1 ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;3.750 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;6.2500 | &nbsp;&nbsp;4.250 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;10.2500 | &nbsp;&nbsp;4.2500 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;50.00 | &nbsp;&nbsp;50.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;117.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/08/2021 | &nbsp;&nbsp;29 | &nbsp;&nbsp;19070.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;734 | &nbsp;&nbsp;745 | &nbsp;&nbsp;719 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;689 | &nbsp;&nbsp;705 | &nbsp;&nbsp;693 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;693 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1774.08 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;45.97 | &nbsp;&nbsp;45.97 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.250 | &nbsp;&nbsp;946.74 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_139 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;73.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/12/2021 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3000.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;727 | &nbsp;&nbsp;715 | &nbsp;&nbsp;713 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;715 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1065.12 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6.23 | &nbsp;&nbsp;6.23 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;912.89 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_142 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;94.28 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/12/2021 | &nbsp;&nbsp;221 | &nbsp;&nbsp;14500.00 | &nbsp;&nbsp;22 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;738 | &nbsp;&nbsp;722 | &nbsp;&nbsp;732 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;732 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1511.14 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;11.77 | &nbsp;&nbsp;11.77 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.749 | &nbsp;&nbsp;909.65 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_147 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR-Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;85.00 | &nbsp;&nbsp;85.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;133.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/12/2021 | &nbsp;&nbsp;77 | &nbsp;&nbsp;68463.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;690 | &nbsp;&nbsp;706 | &nbsp;&nbsp;711 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;706 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;23.5 | &nbsp;&nbsp;38.85 | &nbsp;&nbsp;3543.69 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;19.71 | &nbsp;&nbsp;19.71 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.875 | &nbsp;&nbsp;1709.55 | &nbsp;&nbsp;23.5 | &nbsp;&nbsp;38.85 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_151 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;32.23 | &nbsp;&nbsp;32.23 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;54.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/15/2021 | &nbsp;&nbsp;195 | &nbsp;&nbsp;15000.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;749 | &nbsp;&nbsp;739 | &nbsp;&nbsp;729 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;779 | &nbsp;&nbsp;779 | &nbsp;&nbsp;768 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;739 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;24.89 | &nbsp;&nbsp;41.21 | &nbsp;&nbsp;1795.61 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;36.66 | &nbsp;&nbsp;36.65 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.750 | &nbsp;&nbsp;856.77 | &nbsp;&nbsp;24.89 | &nbsp;&nbsp;41.21 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_156 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.14 | &nbsp;&nbsp;60.14 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;98.63 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/16/2021 | &nbsp;&nbsp;156 | &nbsp;&nbsp;6500.00 | &nbsp;&nbsp;13 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;702 | &nbsp;&nbsp;643 | &nbsp;&nbsp;682 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;682 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2044.04 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;56.23 | &nbsp;&nbsp;56.23 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1852.23 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_157 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;184.03 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/16/2021 | &nbsp;&nbsp;163 | &nbsp;&nbsp;35000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;731 | &nbsp;&nbsp;778 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;720 | &nbsp;&nbsp;777 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4711.22 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;96.91 | &nbsp;&nbsp;96.91 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.875 | &nbsp;&nbsp;3522.08 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_159 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;3.250 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;5.8750 | &nbsp;&nbsp;3.875 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;9.8750 | &nbsp;&nbsp;3.8750 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Assumable upon credit approval | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Final Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;87.60 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/16/2021 | &nbsp;&nbsp;133 | &nbsp;&nbsp;18000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;738 | &nbsp;&nbsp;726 | &nbsp;&nbsp;697 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;726 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2065.45 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.88 | &nbsp;&nbsp;7.88 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.875 | &nbsp;&nbsp;1443.44 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Incomplete | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_161 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;316.27 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/19/2021 | &nbsp;&nbsp;84 | &nbsp;&nbsp;90755.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;722 | &nbsp;&nbsp;695 | &nbsp;&nbsp;704 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;704 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;11.86 | &nbsp;&nbsp;18.81 | &nbsp;&nbsp;7898.78 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;24.38 | &nbsp;&nbsp;24.38 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;3636.72 | &nbsp;&nbsp;11.86 | &nbsp;&nbsp;18.81 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_166 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;71.99 | &nbsp;&nbsp;71.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;112.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/20/2021 | &nbsp;&nbsp;213 | &nbsp;&nbsp;8.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;715 | &nbsp;&nbsp;728 | &nbsp;&nbsp;716 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;702 | &nbsp;&nbsp;728 | &nbsp;&nbsp;707 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;707 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1466.54 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;98.17 | &nbsp;&nbsp;98.17 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.374 | &nbsp;&nbsp;1014.93 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_168 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;47.08 | &nbsp;&nbsp;47.08 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;122.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/12/2021 | &nbsp;&nbsp;272 | &nbsp;&nbsp;51437.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;770 | &nbsp;&nbsp;785 | &nbsp;&nbsp;760 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;814 | &nbsp;&nbsp;816 | &nbsp;&nbsp;803 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;770 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;13.7 | &nbsp;&nbsp;35.13 | &nbsp;&nbsp;15994.98 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;30.42 | &nbsp;&nbsp;30.42 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.375 | &nbsp;&nbsp;4995.69 | &nbsp;&nbsp;13.7 | &nbsp;&nbsp;35.13 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_170 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;23.00 | &nbsp;&nbsp;23.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;143.12 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2541.77 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;1165.38 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_172 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;55.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/23/2021 | &nbsp;&nbsp;364 | &nbsp;&nbsp;8400.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;685 | &nbsp;&nbsp;688 | &nbsp;&nbsp;691 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;681 | &nbsp;&nbsp;692 | &nbsp;&nbsp;691 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;688 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1707.69 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;1432.66 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_175 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of amt prepd in yr 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;152.60 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3448.85 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12 | &nbsp;&nbsp;12.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;1663.19 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_176 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.86 | &nbsp;&nbsp;64.86 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;52.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1210.05 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5.61 | &nbsp;&nbsp;5.61 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.625 | &nbsp;&nbsp;690.79 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_183 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;1% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;49.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/29/2021 | &nbsp;&nbsp;159 | &nbsp;&nbsp;3500.00 | &nbsp;&nbsp;2 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;781 | &nbsp;&nbsp;806 | &nbsp;&nbsp;786 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;786 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1746.01 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.4 | &nbsp;&nbsp;64.40 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.875 | &nbsp;&nbsp;947.53 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_184 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;185.33 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/17/2021 | &nbsp;&nbsp;190 | &nbsp;&nbsp;26500.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;656 | &nbsp;&nbsp;718 | &nbsp;&nbsp;649 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;656 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5866.99 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;17.68 | &nbsp;&nbsp;17.68 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.625 | &nbsp;&nbsp;4101.56 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_185 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;13.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/28/2021 | &nbsp;&nbsp;187 | &nbsp;&nbsp;90401.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;782 | &nbsp;&nbsp;759 | &nbsp;&nbsp;796 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;782 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1924.43 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.38 | &nbsp;&nbsp;12.38 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;1221.02 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_186 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;74.88 | &nbsp;&nbsp;74.88 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;54.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/29/2021 | &nbsp;&nbsp;74 | &nbsp;&nbsp;58317.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;771 | &nbsp;&nbsp;723 | &nbsp;&nbsp;766 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;766 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1787.42 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.25 | &nbsp;&nbsp;12.25 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.125 | &nbsp;&nbsp;1487.88 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_187 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;189.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2295.08 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6.99 | &nbsp;&nbsp;6.99 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1481.79 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_191 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;73.33 | &nbsp;&nbsp;73.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;235.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;07/27/2021 | &nbsp;&nbsp;57 | &nbsp;&nbsp;42752.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;692 | &nbsp;&nbsp;695 | &nbsp;&nbsp;682 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;692 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1911.45 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;13.51 | &nbsp;&nbsp;13.51 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;1518.57 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_192 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/02/2021 | &nbsp;&nbsp;6 | &nbsp;&nbsp;700.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;662 | &nbsp;&nbsp;720 | &nbsp;&nbsp;663 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;663 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.6 | &nbsp;&nbsp;21.62 | &nbsp;&nbsp;1124.15 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;9.74 | &nbsp;&nbsp;9.74 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.874 | &nbsp;&nbsp;749.70 | &nbsp;&nbsp;20.6 | &nbsp;&nbsp;21.62 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_193 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;47.82 | &nbsp;&nbsp;47.82 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;144.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/10/2021 | &nbsp;&nbsp;519 | &nbsp;&nbsp;31000.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;710 | &nbsp;&nbsp;698 | &nbsp;&nbsp;688 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;719 | &nbsp;&nbsp;704 | &nbsp;&nbsp;701 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;698 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;22.7 | &nbsp;&nbsp;33.86 | &nbsp;&nbsp;6312.94 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;532.74 | &nbsp;&nbsp;532.73 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.999 | &nbsp;&nbsp;2209.85 | &nbsp;&nbsp;22.7 | &nbsp;&nbsp;33.86 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_196 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;60.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;58.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3153.05 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;307.71 | &nbsp;&nbsp;307.71 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;2313.63 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_200 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;113.47 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;66.17 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/06/2021 | &nbsp;&nbsp;230 | &nbsp;&nbsp;11497.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;715 | &nbsp;&nbsp;730 | &nbsp;&nbsp;756 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;730 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1504.8 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;114.81 | &nbsp;&nbsp;114.81 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;974.18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_201 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.98 | &nbsp;&nbsp;69.98 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;66.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1527.54 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;9.74 | &nbsp;&nbsp;9.74 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;892.64 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_202 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;35.18 | &nbsp;&nbsp;35.18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;109.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;71.40 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/04/2021 | &nbsp;&nbsp;266 | &nbsp;&nbsp;21200.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;796 | &nbsp;&nbsp;799 | &nbsp;&nbsp;786 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;796 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;46.97 | &nbsp;&nbsp;49.75 | &nbsp;&nbsp;1864.92 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;175.92 | &nbsp;&nbsp;175.92 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.375 | &nbsp;&nbsp;1413.83 | &nbsp;&nbsp;46.97 | &nbsp;&nbsp;49.75 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_204 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;79.98 | &nbsp;&nbsp;79.98 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.51 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/11/2021 | &nbsp;&nbsp;83 | &nbsp;&nbsp;10000.00 | &nbsp;&nbsp;2 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;742 | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;27.18 | &nbsp;&nbsp;28.17 | &nbsp;&nbsp;1526.05 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;28.79 | &nbsp;&nbsp;28.79 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1015.82 | &nbsp;&nbsp;27.18 | &nbsp;&nbsp;28.17 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_205 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;58.67 | &nbsp;&nbsp;58.67 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;117.34 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/13/2021 | &nbsp;&nbsp;136 | &nbsp;&nbsp;11000.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;702 | &nbsp;&nbsp;724 | &nbsp;&nbsp;758 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;680 | &nbsp;&nbsp;689 | &nbsp;&nbsp;702 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;724 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.44 | &nbsp;&nbsp;27.91 | &nbsp;&nbsp;4314.8 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;14.2 | &nbsp;&nbsp;14.20 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;2262.22 | &nbsp;&nbsp;20.44 | &nbsp;&nbsp;27.91 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_206 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR-Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;67.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/12/2021 | &nbsp;&nbsp;193 | &nbsp;&nbsp;14795.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;739 | &nbsp;&nbsp;721 | &nbsp;&nbsp;770 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;739 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;752.1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;122.24 | &nbsp;&nbsp;122.23 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;551.30 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_214 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;16.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/18/2021 | &nbsp;&nbsp;131 | &nbsp;&nbsp;120979.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;778 | &nbsp;&nbsp;768 | &nbsp;&nbsp;790 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;778 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3144.71 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;35.97 | &nbsp;&nbsp;35.97 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;2155.53 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_218 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;188.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/18/2021 | &nbsp;&nbsp;225 | &nbsp;&nbsp;39600.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;785 | &nbsp;&nbsp;780 | &nbsp;&nbsp;783 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;760 | &nbsp;&nbsp;752 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1676.79 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;45.97 | &nbsp;&nbsp;45.97 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;1297.12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_219 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.91 | &nbsp;&nbsp;60.91 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;39.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/19/2021 | &nbsp;&nbsp;51 | &nbsp;&nbsp;5000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;774 | &nbsp;&nbsp;678 | &nbsp;&nbsp;710 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;710 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1014.24 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.000 | &nbsp;&nbsp;719.47 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_224 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;56.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/19/2021 | &nbsp;&nbsp;118 | &nbsp;&nbsp;15000.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;755 | &nbsp;&nbsp;746 | &nbsp;&nbsp;751 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;751 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1164.95 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;89.18 | &nbsp;&nbsp;89.18 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;906.18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_226 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 30yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Full Appraisal | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;357.47 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/19/2021 | &nbsp;&nbsp;397 | &nbsp;&nbsp;31706.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;734 | &nbsp;&nbsp;797 | &nbsp;&nbsp;784 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;784 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14467.73 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;24.75 | &nbsp;&nbsp;24.75 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;10121.11 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_228 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;72.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/24/2021 | &nbsp;&nbsp;361 | &nbsp;&nbsp;29730.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;748 | &nbsp;&nbsp;756 | &nbsp;&nbsp;781 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;756 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1632.98 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;175.5 | &nbsp;&nbsp;175.50 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;761.57 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_230 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;41.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/22/2021 | &nbsp;&nbsp;201 | &nbsp;&nbsp;13000.00 | &nbsp;&nbsp;20 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;780 | &nbsp;&nbsp;741 | &nbsp;&nbsp;776 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;779 | &nbsp;&nbsp;741 | &nbsp;&nbsp;763 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;763 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1474.43 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;88.05 | &nbsp;&nbsp;88.05 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;1195.38 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_231 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;99.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/20/2021 | &nbsp;&nbsp;110 | &nbsp;&nbsp;16000.00 | &nbsp;&nbsp;2 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;710 | &nbsp;&nbsp;735 | &nbsp;&nbsp;685 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;710 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;48.35 | &nbsp;&nbsp;48.36 | &nbsp;&nbsp;3669.32 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;2950.94 | &nbsp;&nbsp;48.35 | &nbsp;&nbsp;48.36 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_242 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;112.46 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/26/2021 | &nbsp;&nbsp;190 | &nbsp;&nbsp;17500.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;686 | &nbsp;&nbsp;649 | &nbsp;&nbsp;687 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;686 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1579.03 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.7 | &nbsp;&nbsp;2.70 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.625 | &nbsp;&nbsp;1080.53 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_243 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;171.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/25/2021 | &nbsp;&nbsp;100 | &nbsp;&nbsp;6000.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;760 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;673 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;673 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4505.58 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;102.73 | &nbsp;&nbsp;102.73 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;2369.31 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_250 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;62.50 | &nbsp;&nbsp;62.50 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;147.51 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/09/2021 | &nbsp;&nbsp;171 | &nbsp;&nbsp;10000.00 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;803 | &nbsp;&nbsp;796 | &nbsp;&nbsp;782 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;742 | &nbsp;&nbsp;761 | &nbsp;&nbsp;774 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;796 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;41.1 | &nbsp;&nbsp;41.52 | &nbsp;&nbsp;4449.23 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;52.18 | &nbsp;&nbsp;52.17 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.625 | &nbsp;&nbsp;3420.39 | &nbsp;&nbsp;41.1 | &nbsp;&nbsp;41.52 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_251 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.97 | &nbsp;&nbsp;69.97 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;57.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;52.76 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1563.1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.43 | &nbsp;&nbsp;7.43 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.625 | &nbsp;&nbsp;639.27 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_254 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;161.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/30/2021 | &nbsp;&nbsp;86 | &nbsp;&nbsp;13000.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;765 | &nbsp;&nbsp;772 | &nbsp;&nbsp;779 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;715 | &nbsp;&nbsp;719 | &nbsp;&nbsp;682 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;715 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2082.33 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;14.32 | &nbsp;&nbsp;14.32 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.749 | &nbsp;&nbsp;743.98 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_255 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;68.63 | &nbsp;&nbsp;68.63 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;157.77 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/30/2021 | &nbsp;&nbsp;228 | &nbsp;&nbsp;30000.00 | &nbsp;&nbsp;21 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;780 | &nbsp;&nbsp;777 | &nbsp;&nbsp;790 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;780 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;15.74 | &nbsp;&nbsp;32.76 | &nbsp;&nbsp;6785.68 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;2613.46 | &nbsp;&nbsp;15.74 | &nbsp;&nbsp;32.76 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;C &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_257 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;90.90 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/08/2021 | &nbsp;&nbsp;132 | &nbsp;&nbsp;12200.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;764 | &nbsp;&nbsp;733 | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1966.27 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;40.75 | &nbsp;&nbsp;40.75 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1012.12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_261 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;47.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/02/2021 | &nbsp;&nbsp;408 | &nbsp;&nbsp;17000.00 | &nbsp;&nbsp;15 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;751 | &nbsp;&nbsp;774 | &nbsp;&nbsp;764 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;764 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1462.85 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;18.45 | &nbsp;&nbsp;18.45 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;1247.39 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_263 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;79.99 | &nbsp;&nbsp;79.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;81.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;8 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/03/2021 | &nbsp;&nbsp;139 | &nbsp;&nbsp;32500.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;757 | &nbsp;&nbsp;757 | &nbsp;&nbsp;743 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;757 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;853.14 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;66.22 | &nbsp;&nbsp;66.22 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.000 | &nbsp;&nbsp;694.64 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_265 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Mid Rise Condo (5-8) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;74.99 | &nbsp;&nbsp;74.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;21.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/02/2021 | &nbsp;&nbsp;76 | &nbsp;&nbsp;10000.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;797 | &nbsp;&nbsp;776 | &nbsp;&nbsp;767 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;776 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1420.25 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5.77 | &nbsp;&nbsp;5.77 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.875 | &nbsp;&nbsp;916.50 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_266 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of amt prepd in yr 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;105.80 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;120.40 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2541.94 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.78 | &nbsp;&nbsp;20.78 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;1410.23 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_268 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;113.33 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/30/2021 | &nbsp;&nbsp;252 | &nbsp;&nbsp;30918.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;674 | &nbsp;&nbsp;743 | &nbsp;&nbsp;666 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;674 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6579.88 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.000 | &nbsp;&nbsp;5455.91 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_277 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;137.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/10/2021 | &nbsp;&nbsp;70 | &nbsp;&nbsp;2234.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;673 | &nbsp;&nbsp;667 | &nbsp;&nbsp;673 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;667 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4.76 | &nbsp;&nbsp;7.58 | &nbsp;&nbsp;6424.73 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;37.43 | &nbsp;&nbsp;37.43 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.875 | &nbsp;&nbsp;3105.58 | &nbsp;&nbsp;4.76 | &nbsp;&nbsp;7.58 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_282 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;25.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/12/2021 | &nbsp;&nbsp;359 | &nbsp;&nbsp;23673.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;637 | &nbsp;&nbsp;657 | &nbsp;&nbsp;664 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;657 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8027.88 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;77.75 | &nbsp;&nbsp;77.75 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;1797.43 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_283 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/13/2021 | &nbsp;&nbsp;122 | &nbsp;&nbsp;20000.00 | &nbsp;&nbsp;17 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;734 | &nbsp;&nbsp;763 | &nbsp;&nbsp;776 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;744 | &nbsp;&nbsp;790 | &nbsp;&nbsp;784 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;763 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.56 | &nbsp;&nbsp;44.04 | &nbsp;&nbsp;9727.18 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.17 | &nbsp;&nbsp;60.17 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.874 | &nbsp;&nbsp;3447.83 | &nbsp;&nbsp;20.56 | &nbsp;&nbsp;44.04 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_285 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of amt prepd in yr 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.99 | &nbsp;&nbsp;69.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;120.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3563.11 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.56 | &nbsp;&nbsp;0.56 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.625 | &nbsp;&nbsp;2123.03 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_286 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;61.54 | &nbsp;&nbsp;61.54 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;121.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2508.93 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.14 | &nbsp;&nbsp;7.14 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;2086.59 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_289 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 30yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;40.12 | &nbsp;&nbsp;40.12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;221.18 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/15/2021 | &nbsp;&nbsp;205 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;639 | &nbsp;&nbsp;638 | &nbsp;&nbsp;627 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;666 | &nbsp;&nbsp;678 | &nbsp;&nbsp;706 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;638 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;16.46 | &nbsp;&nbsp;19.15 | &nbsp;&nbsp;12000.12 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.875 | &nbsp;&nbsp;8651.24 | &nbsp;&nbsp;16.46 | &nbsp;&nbsp;19.15 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;C &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_290 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;100.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/15/2021 | &nbsp;&nbsp;183 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;622 | &nbsp;&nbsp;642 | &nbsp;&nbsp;588 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;622 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3378.69 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;41.64 | &nbsp;&nbsp;41.64 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.999 | &nbsp;&nbsp;2929.04 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_291 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;269.40 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/15/2021 | &nbsp;&nbsp;81 | &nbsp;&nbsp;2315.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;779 | &nbsp;&nbsp;745 | &nbsp;&nbsp;748 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;748 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;16.14 | &nbsp;&nbsp;16.29 | &nbsp;&nbsp;2784.71 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;11.15 | &nbsp;&nbsp;11.15 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;1981.94 | &nbsp;&nbsp;16.14 | &nbsp;&nbsp;16.29 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_293 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of amt prepd in yr 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;132.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/17/2021 | &nbsp;&nbsp;193 | &nbsp;&nbsp;47931.00 | &nbsp;&nbsp;14 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;784 | &nbsp;&nbsp;769 | &nbsp;&nbsp;764 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;769 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1713.89 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;27.58 | &nbsp;&nbsp;27.58 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.125 | &nbsp;&nbsp;1075.93 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_294 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;90.98 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/15/2021 | &nbsp;&nbsp;116 | &nbsp;&nbsp;24000.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;767 | &nbsp;&nbsp;749 | &nbsp;&nbsp;736 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;749 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2276.32 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.99 | &nbsp;&nbsp;2.99 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.500 | &nbsp;&nbsp;1094.42 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_295 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.92 | &nbsp;&nbsp;70.92 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;67.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/16/2021 | &nbsp;&nbsp;235 | &nbsp;&nbsp;41600.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;781 | &nbsp;&nbsp;806 | &nbsp;&nbsp;785 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;785 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;31.04 | &nbsp;&nbsp;36.12 | &nbsp;&nbsp;3762.44 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;79.66 | &nbsp;&nbsp;79.66 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.500 | &nbsp;&nbsp;2436.07 | &nbsp;&nbsp;31.04 | &nbsp;&nbsp;36.12 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_296 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.03 | &nbsp;&nbsp;65.03 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;83.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1540.12 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3.48 | &nbsp;&nbsp;3.48 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;984.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_297 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;63.00 | &nbsp;&nbsp;63.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;118.67 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/16/2021 | &nbsp;&nbsp;98 | &nbsp;&nbsp;30000.00 | &nbsp;&nbsp;13 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;647 | &nbsp;&nbsp;669 | &nbsp;&nbsp;654 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;654 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1044.83 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;695.78 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;D &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_298 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;56.73 | &nbsp;&nbsp;56.73 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;59.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/21/2021 | &nbsp;&nbsp;229 | &nbsp;&nbsp;15000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;733 | &nbsp;&nbsp;786 | &nbsp;&nbsp;753 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;753 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;23.11 | &nbsp;&nbsp;23.11 | &nbsp;&nbsp;808.51 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;38.41 | &nbsp;&nbsp;38.41 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.250 | &nbsp;&nbsp;622.31 | &nbsp;&nbsp;23.11 | &nbsp;&nbsp;23.11 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_301 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;109.12 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/20/2021 | &nbsp;&nbsp;220 | &nbsp;&nbsp;27000.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;816 | &nbsp;&nbsp;829 | &nbsp;&nbsp;810 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;816 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5.56 | &nbsp;&nbsp;16.49 | &nbsp;&nbsp;5468.95 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;15.95 | &nbsp;&nbsp;15.95 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.250 | &nbsp;&nbsp;1033.08 | &nbsp;&nbsp;5.56 | &nbsp;&nbsp;16.49 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_306 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;74.94 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/22/2021 | &nbsp;&nbsp;108 | &nbsp;&nbsp;14500.00 | &nbsp;&nbsp;2 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;780 | &nbsp;&nbsp;664 | &nbsp;&nbsp;786 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;780 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1547.71 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.91 | &nbsp;&nbsp;0.91 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;632.97 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_308 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;148.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/22/2021 | &nbsp;&nbsp;118 | &nbsp;&nbsp;8000.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;783 | &nbsp;&nbsp;781 | &nbsp;&nbsp;790 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;783 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1137.74 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.71 | &nbsp;&nbsp;20.71 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;822.63 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_311 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;237.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2240.41 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.74 | &nbsp;&nbsp;7.74 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;1525.82 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_313 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;78.98 | &nbsp;&nbsp;78.98 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;133.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;107.75 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/24/2021 | &nbsp;&nbsp;65 | &nbsp;&nbsp;3500.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;754 | &nbsp;&nbsp;758 | &nbsp;&nbsp;700 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;754 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.08 | &nbsp;&nbsp;10.13 | &nbsp;&nbsp;4997.97 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.59 | &nbsp;&nbsp;12.59 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;3766.08 | &nbsp;&nbsp;10.08 | &nbsp;&nbsp;10.13 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_314 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.97 | &nbsp;&nbsp;65.97 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;186.33 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/23/2021 | &nbsp;&nbsp;207 | &nbsp;&nbsp;7000.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;635 | &nbsp;&nbsp;653 | &nbsp;&nbsp;660 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;653 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;35.05 | &nbsp;&nbsp;38.84 | &nbsp;&nbsp;2557.17 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;8.21 | &nbsp;&nbsp;8.21 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;7.000 | &nbsp;&nbsp;1900.44 | &nbsp;&nbsp;35.05 | &nbsp;&nbsp;38.84 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_319 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;61.85 | &nbsp;&nbsp;61.85 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;51.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/27/2021 | &nbsp;&nbsp;67 | &nbsp;&nbsp;9200.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;693 | &nbsp;&nbsp;723 | &nbsp;&nbsp;709 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;709 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;52.66 | &nbsp;&nbsp;52.66 | &nbsp;&nbsp;1999.57 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.18 | &nbsp;&nbsp;20.18 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.999 | &nbsp;&nbsp;1470.27 | &nbsp;&nbsp;52.66 | &nbsp;&nbsp;52.66 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_323 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.89 | &nbsp;&nbsp;64.89 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;147.91 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/28/2021 | &nbsp;&nbsp;8 | &nbsp;&nbsp;700.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;758 | &nbsp;&nbsp;751 | &nbsp;&nbsp;747 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;751 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2111.81 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.72 | &nbsp;&nbsp;0.72 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.249 | &nbsp;&nbsp;1404.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_325 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2% of UPB in year 1,2,3,4 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;241.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/29/2021 | &nbsp;&nbsp;142 | &nbsp;&nbsp;12000.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;756 | &nbsp;&nbsp;739 | &nbsp;&nbsp;774 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;756 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4602.21 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;13.92 | &nbsp;&nbsp;13.92 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.875 | &nbsp;&nbsp;3414.87 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_327 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;220.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/30/2021 | &nbsp;&nbsp;55 | &nbsp;&nbsp;29000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;774 | &nbsp;&nbsp;780 | &nbsp;&nbsp;739 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;774 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;13.15 | &nbsp;&nbsp;32.91 | &nbsp;&nbsp;10301.62 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;160.96 | &nbsp;&nbsp;160.96 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.500 | &nbsp;&nbsp;2514.66 | &nbsp;&nbsp;13.15 | &nbsp;&nbsp;32.91 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_328 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;74.94 | &nbsp;&nbsp;74.94 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;38.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/30/2021 | &nbsp;&nbsp;182 | &nbsp;&nbsp;33400.00 | &nbsp;&nbsp;11 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;770 | &nbsp;&nbsp;766 | &nbsp;&nbsp;805 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;798 | &nbsp;&nbsp;813 | &nbsp;&nbsp;812 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;770 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2163.61 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;14.73 | &nbsp;&nbsp;14.73 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;1514.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_329 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;68.29 | &nbsp;&nbsp;68.29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;162.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/03/2021 | &nbsp;&nbsp;53 | &nbsp;&nbsp;10000.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;695 | &nbsp;&nbsp;709 | &nbsp;&nbsp;691 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;695 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;42.35 | &nbsp;&nbsp;46.58 | &nbsp;&nbsp;5263.16 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;9.01 | &nbsp;&nbsp;9.01 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;3865.43 | &nbsp;&nbsp;42.35 | &nbsp;&nbsp;46.58 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_330 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;83.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/02/2021 | &nbsp;&nbsp;181 | &nbsp;&nbsp;20000.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;791 | &nbsp;&nbsp;785 | &nbsp;&nbsp;772 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;785 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;28.49 | &nbsp;&nbsp;34.55 | &nbsp;&nbsp;2408.5 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;8.55 | &nbsp;&nbsp;8.55 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;1600.80 | &nbsp;&nbsp;28.49 | &nbsp;&nbsp;34.55 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_331 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2032.68 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;1491.92 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_335 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;357.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/08/2021 | &nbsp;&nbsp;95 | &nbsp;&nbsp;7600.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;673 | &nbsp;&nbsp;698 | &nbsp;&nbsp;677 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;619 | &nbsp;&nbsp;655 | &nbsp;&nbsp;647 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;677 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;24.34 | &nbsp;&nbsp;38.73 | &nbsp;&nbsp;3869.24 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;37.03 | &nbsp;&nbsp;37.03 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1608.80 | &nbsp;&nbsp;24.34 | &nbsp;&nbsp;38.73 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_339 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Jumbo 5/1 ARM IO | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;3.000 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;6.0000 | &nbsp;&nbsp;4.000 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;10.0000 | &nbsp;&nbsp;4.0000 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Assumable upon credit approval | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;181.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/05/2021 | &nbsp;&nbsp;262 | &nbsp;&nbsp;68557.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;701 | &nbsp;&nbsp;784 | &nbsp;&nbsp;770 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;770 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;11.7 | &nbsp;&nbsp;12.72 | &nbsp;&nbsp;10053.71 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;9.03 | &nbsp;&nbsp;7.44 | &nbsp;&nbsp;Fully Indexed, Fully Amortized | &nbsp;&nbsp;3.125 | &nbsp;&nbsp;8920.92 | &nbsp;&nbsp;14.2 | &nbsp;&nbsp;15.22 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_340 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of OPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;48.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/30/2021 | &nbsp;&nbsp;199 | &nbsp;&nbsp;20500.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;698 | &nbsp;&nbsp;692 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;692 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1970.58 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;63.09 | &nbsp;&nbsp;63.09 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.500 | &nbsp;&nbsp;1162.55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_341 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;42.83 | &nbsp;&nbsp;42.83 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;85.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/06/2021 | &nbsp;&nbsp;304 | &nbsp;&nbsp;21000.00 | &nbsp;&nbsp;16 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;788 | &nbsp;&nbsp;785 | &nbsp;&nbsp;779 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;785 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.36 | &nbsp;&nbsp;22.57 | &nbsp;&nbsp;1725.48 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;140.83 | &nbsp;&nbsp;140.83 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.500 | &nbsp;&nbsp;516.41 | &nbsp;&nbsp;10.36 | &nbsp;&nbsp;22.57 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_350 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;90.00 | &nbsp;&nbsp;90.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;121.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/11/2021 | &nbsp;&nbsp;92 | &nbsp;&nbsp;25000.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;750 | &nbsp;&nbsp;794 | &nbsp;&nbsp;763 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;763 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.57 | &nbsp;&nbsp;13.6 | &nbsp;&nbsp;3015.22 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.03 | &nbsp;&nbsp;20.03 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;2042.25 | &nbsp;&nbsp;10.57 | &nbsp;&nbsp;13.6 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_356 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;196.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/15/2021 | &nbsp;&nbsp;133 | &nbsp;&nbsp;1098300.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;640 | &nbsp;&nbsp;650 | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;616 | &nbsp;&nbsp;650 | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;650 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;41.1 | &nbsp;&nbsp;49.63 | &nbsp;&nbsp;8380.05 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;11.16 | &nbsp;&nbsp;11.16 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.125 | &nbsp;&nbsp;5346.98 | &nbsp;&nbsp;41.1 | &nbsp;&nbsp;49.63 | &nbsp;&nbsp;Full Doc | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_358 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;12 | &nbsp;&nbsp;2% of UPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;30.07 | &nbsp;&nbsp;30.07 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/14/2021 | &nbsp;&nbsp;255 | &nbsp;&nbsp;6100.00 | &nbsp;&nbsp;9 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;685 | &nbsp;&nbsp;713 | &nbsp;&nbsp;709 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;709 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1667.41 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.24 | &nbsp;&nbsp;10.24 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.499 | &nbsp;&nbsp;1089.25 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_359 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.99 | &nbsp;&nbsp;69.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;110.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/14/2021 | &nbsp;&nbsp;31 | &nbsp;&nbsp;3072.00 | &nbsp;&nbsp;2 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;688 | &nbsp;&nbsp;672 | &nbsp;&nbsp;650 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;672 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;14.55 | &nbsp;&nbsp;14.88 | &nbsp;&nbsp;1908.09 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;17.64 | &nbsp;&nbsp;17.64 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.500 | &nbsp;&nbsp;1390.52 | &nbsp;&nbsp;14.55 | &nbsp;&nbsp;14.88 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_363 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004C Manuf (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Manufactured (Dbl) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.66 | &nbsp;&nbsp;65.66 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;76.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/17/2021 | &nbsp;&nbsp;109 | &nbsp;&nbsp;20000.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;734 | &nbsp;&nbsp;755 | &nbsp;&nbsp;748 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;748 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;18.63 | &nbsp;&nbsp;27.58 | &nbsp;&nbsp;2640.12 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;24.65 | &nbsp;&nbsp;24.65 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.374 | &nbsp;&nbsp;1294.75 | &nbsp;&nbsp;18.63 | &nbsp;&nbsp;27.58 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_366 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;155.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/19/2021 | &nbsp;&nbsp;185 | &nbsp;&nbsp;28000.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;755 | &nbsp;&nbsp;768 | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3075 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;54.99 | &nbsp;&nbsp;54.99 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.000 | &nbsp;&nbsp;1697.22 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_369 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Drive By | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;28.74 | &nbsp;&nbsp;28.74 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;116.33 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/21/2021 | &nbsp;&nbsp;170 | &nbsp;&nbsp;25000.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;787 | &nbsp;&nbsp;773 | &nbsp;&nbsp;777 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;787 | &nbsp;&nbsp;735 | &nbsp;&nbsp;753 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;777 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0.46 | &nbsp;&nbsp;10.04 | &nbsp;&nbsp;21849.5 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;145.78 | &nbsp;&nbsp;145.78 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;1233.94 | &nbsp;&nbsp;0.46 | &nbsp;&nbsp;10.04 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_372 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;92.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;10/29/2021 | &nbsp;&nbsp;77 | &nbsp;&nbsp;21100.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;609 | &nbsp;&nbsp;730 | &nbsp;&nbsp;744 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;730 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;10.49 | &nbsp;&nbsp;18.76 | &nbsp;&nbsp;4154.13 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.01 | &nbsp;&nbsp;7.01 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.499 | &nbsp;&nbsp;1985.98 | &nbsp;&nbsp;10.49 | &nbsp;&nbsp;18.76 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_378 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3 mos interest on amt prepd in 12 mos >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;62.50 | &nbsp;&nbsp;62.50 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;308.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;11/30/2021 | &nbsp;&nbsp;185 | &nbsp;&nbsp;33077.00 | &nbsp;&nbsp;18 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;776 | &nbsp;&nbsp;755 | &nbsp;&nbsp;773 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;773 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11019.88 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;15.4 | &nbsp;&nbsp;15.40 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.875 | &nbsp;&nbsp;8873.07 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;N/A &nbsp;&nbsp;A | &nbsp;&nbsp;N/A &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;N/A &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_379 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3% of UPB if amt prepd >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;56.67 | &nbsp;&nbsp;56.67 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/02/2021 | &nbsp;&nbsp;75 | &nbsp;&nbsp;12500.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;652 | &nbsp;&nbsp;629 | &nbsp;&nbsp;671 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;652 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1340.2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4.78 | &nbsp;&nbsp;4.78 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;951.96 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_381 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;58.33 | &nbsp;&nbsp;58.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;63.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;03/15/2022 | &nbsp;&nbsp;181 | &nbsp;&nbsp;40000.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;736 | &nbsp;&nbsp;748 | &nbsp;&nbsp;723 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;736 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;895.46 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;7.500 | &nbsp;&nbsp;734.18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_382 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;33.22 | &nbsp;&nbsp;33.22 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;127.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/08/2021 | &nbsp;&nbsp;79 | &nbsp;&nbsp;32660.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;737 | &nbsp;&nbsp;727 | &nbsp;&nbsp;724 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;727 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;43.6 | &nbsp;&nbsp;46.92 | &nbsp;&nbsp;2289.13 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;21.05 | &nbsp;&nbsp;21.05 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;1473.53 | &nbsp;&nbsp;43.6 | &nbsp;&nbsp;46.92 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;C &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_383 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3% of UPB if amt prepd >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;178.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;03/10/2022 | &nbsp;&nbsp;218 | &nbsp;&nbsp;15000.00 | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;781 | &nbsp;&nbsp;766 | &nbsp;&nbsp;792 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;781 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1651.64 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.31 | &nbsp;&nbsp;64.31 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;7.500 | &nbsp;&nbsp;1342.50 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_384 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5% of UPB if amt prepd in 12 mos is >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;104.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/10/2022 | &nbsp;&nbsp;244 | &nbsp;&nbsp;32000.00 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;788 | &nbsp;&nbsp;765 | &nbsp;&nbsp;767 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;775 | &nbsp;&nbsp;744 | &nbsp;&nbsp;756 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;756 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3633.19 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;38.86 | &nbsp;&nbsp;38.86 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.999 | &nbsp;&nbsp;2930.72 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_385 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5% of UPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;121.09 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/10/2021 | &nbsp;&nbsp;96 | &nbsp;&nbsp;25000.00 | &nbsp;&nbsp;17 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;788 | &nbsp;&nbsp;765 | &nbsp;&nbsp;767 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;775 | &nbsp;&nbsp;744 | &nbsp;&nbsp;756 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;756 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6180.5 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.18 | &nbsp;&nbsp;60.18 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.999 | &nbsp;&nbsp;5260.26 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_386 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Attached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;50.00 | &nbsp;&nbsp;50.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;68.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1749.27 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;22.84 | &nbsp;&nbsp;22.84 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;991.79 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_387 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;171.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/27/2021 | &nbsp;&nbsp;75 | &nbsp;&nbsp;24400.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;762 | &nbsp;&nbsp;754 | &nbsp;&nbsp;748 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;754 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3040.94 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3.13 | &nbsp;&nbsp;3.13 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.625 | &nbsp;&nbsp;1860.81 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_388 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3% of UPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;87.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/23/2021 | &nbsp;&nbsp;90 | &nbsp;&nbsp;13000.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;784 | &nbsp;&nbsp;755 | &nbsp;&nbsp;754 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;755 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1392 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.49 | &nbsp;&nbsp;20.49 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;1019.15 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_390 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;224.11 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/28/2021 | &nbsp;&nbsp;133 | &nbsp;&nbsp;33491.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;757 | &nbsp;&nbsp;739 | &nbsp;&nbsp;786 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;745 | &nbsp;&nbsp;757 | &nbsp;&nbsp;769 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;757 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2293.5 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;8.18 | &nbsp;&nbsp;8.18 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;1719.93 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;C | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_391 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3% of UPB if amt prepd >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1025 Multi-Fam (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.31 | &nbsp;&nbsp;69.31 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;160.99 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;202.14 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/28/2021 | &nbsp;&nbsp;227 | &nbsp;&nbsp;30000.00 | &nbsp;&nbsp;5 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;626 | &nbsp;&nbsp;658 | &nbsp;&nbsp;600 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;626 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2921.91 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;7.500 | &nbsp;&nbsp;2447.26 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_392 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 1%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;50.00 | &nbsp;&nbsp;50.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;57.43 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/30/2021 | &nbsp;&nbsp;237 | &nbsp;&nbsp;20000.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;770 | &nbsp;&nbsp;788 | &nbsp;&nbsp;754 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;770 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;8.03 | &nbsp;&nbsp;22.11 | &nbsp;&nbsp;7858.57 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;72.17 | &nbsp;&nbsp;72.17 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.625 | &nbsp;&nbsp;1504.97 | &nbsp;&nbsp;8.03 | &nbsp;&nbsp;22.11 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_394 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;Subject to Completion(cert in file) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;38.20 | &nbsp;&nbsp;38.20 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;77.17 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/03/2022 | &nbsp;&nbsp;254 | &nbsp;&nbsp;7000.00 | &nbsp;&nbsp;17 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;680 | &nbsp;&nbsp;705 | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;683 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;38.66 | &nbsp;&nbsp;44.22 | &nbsp;&nbsp;4092.55 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1.96 | &nbsp;&nbsp;1.96 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.125 | &nbsp;&nbsp;3098.82 | &nbsp;&nbsp;38.66 | &nbsp;&nbsp;44.22 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_395 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;55.90 | &nbsp;&nbsp;55.90 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.11 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/04/2022 | &nbsp;&nbsp;180 | &nbsp;&nbsp;42100.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;805 | &nbsp;&nbsp;774 | &nbsp;&nbsp;794 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;794 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3534.6 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;108.79 | &nbsp;&nbsp;108.79 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;2130.07 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_396 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5% of UPB if amt prepd >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;145.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/06/2022 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;21 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;693 | &nbsp;&nbsp;709 | &nbsp;&nbsp;694 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;688 | &nbsp;&nbsp;670 | &nbsp;&nbsp;704 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;688 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29226.66 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;22.7 | &nbsp;&nbsp;22.70 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;5604.87 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_398 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;190.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;43.31 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/06/2022 | &nbsp;&nbsp;117 | &nbsp;&nbsp;26300.00 | &nbsp;&nbsp;14 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;802 | &nbsp;&nbsp;794 | &nbsp;&nbsp;808 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;802 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5029.75 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7.42 | &nbsp;&nbsp;7.42 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;2755.11 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_399 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.80 | &nbsp;&nbsp;64.80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;111.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/14/2022 | &nbsp;&nbsp;173 | &nbsp;&nbsp;31500.00 | &nbsp;&nbsp;13 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;750 | &nbsp;&nbsp;746 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;746 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3164.48 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.34 | &nbsp;&nbsp;12.34 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.500 | &nbsp;&nbsp;1629.56 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_400 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Yes | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5% of amt prepd | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;146.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4136.44 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4.38 | &nbsp;&nbsp;4.38 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.000 | &nbsp;&nbsp;2392.21 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_401 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;63.89 | &nbsp;&nbsp;63.89 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;68.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/11/2022 | &nbsp;&nbsp;185 | &nbsp;&nbsp;15500.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;646 | &nbsp;&nbsp;582 | &nbsp;&nbsp;612 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;612 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;35.91 | &nbsp;&nbsp;36.43 | &nbsp;&nbsp;3565.1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;22.99 | &nbsp;&nbsp;22.99 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;7.990 | &nbsp;&nbsp;2739.85 | &nbsp;&nbsp;35.91 | &nbsp;&nbsp;36.43 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_402 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Full Appraisal | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;44.88 | &nbsp;&nbsp;44.88 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;151.93 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/11/2022 | &nbsp;&nbsp;280 | &nbsp;&nbsp;46000.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;709 | &nbsp;&nbsp;722 | &nbsp;&nbsp;707 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;709 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;41.33 | &nbsp;&nbsp;42.04 | &nbsp;&nbsp;13441.05 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;5.07 | &nbsp;&nbsp;5.07 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.000 | &nbsp;&nbsp;10333.82 | &nbsp;&nbsp;41.33 | &nbsp;&nbsp;42.04 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;B &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;C &nbsp;&nbsp;B &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_404 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3 mos interest on amt prepd >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;76.62 | &nbsp;&nbsp;76.62 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;169.87 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/10/2022 | &nbsp;&nbsp;249 | &nbsp;&nbsp;30300.00 | &nbsp;&nbsp;16 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;789 | &nbsp;&nbsp;829 | &nbsp;&nbsp;772 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;789 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4690.08 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;14.59 | &nbsp;&nbsp;14.59 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;3337.24 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_408 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.31 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/18/2022 | &nbsp;&nbsp;223 | &nbsp;&nbsp;21900.00 | &nbsp;&nbsp;13 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;783 | &nbsp;&nbsp;763 | &nbsp;&nbsp;785 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;798 | &nbsp;&nbsp;765 | &nbsp;&nbsp;768 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;768 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1610.59 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;20.75 | &nbsp;&nbsp;20.75 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.750 | &nbsp;&nbsp;954.15 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_414 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;300.50 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;174.67 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2986.63 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;82.52 | &nbsp;&nbsp;82.52 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;2125.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_415 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;116.75 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/20/2022 | &nbsp;&nbsp;173 | &nbsp;&nbsp;9000.00 | &nbsp;&nbsp;10 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;765 | &nbsp;&nbsp;778 | &nbsp;&nbsp;762 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;736 | &nbsp;&nbsp;745 | &nbsp;&nbsp;738 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;738 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3752.59 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;25.29 | &nbsp;&nbsp;25.29 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;2456.88 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_417 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;60.69 | &nbsp;&nbsp;60.69 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;144.83 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;7 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1956.68 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;11.61 | &nbsp;&nbsp;11.61 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;1460.97 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_420 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR-Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;80.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;79.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/23/2022 | &nbsp;&nbsp;135 | &nbsp;&nbsp;56500.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;779 | &nbsp;&nbsp;750 | &nbsp;&nbsp;744 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;750 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;935.38 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;69.46 | &nbsp;&nbsp;69.46 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.125 | &nbsp;&nbsp;657.75 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_423 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;123.68 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;01/26/2022 | &nbsp;&nbsp;94 | &nbsp;&nbsp;19200.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;752 | &nbsp;&nbsp;754 | &nbsp;&nbsp;724 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;752 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3330.81 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;19.97 | &nbsp;&nbsp;19.97 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;2535.96 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_426 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;164.92 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1752.43 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;68.85 | &nbsp;&nbsp;68.85 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.375 | &nbsp;&nbsp;1219.34 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_432 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;48.74 | &nbsp;&nbsp;48.74 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;193.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/03/2022 | &nbsp;&nbsp;202 | &nbsp;&nbsp;27993.00 | &nbsp;&nbsp;16 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;750 | &nbsp;&nbsp;767 | &nbsp;&nbsp;740 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;750 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.17 | &nbsp;&nbsp;17.32 | &nbsp;&nbsp;3989.06 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1.5 | &nbsp;&nbsp;1.50 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;2262.35 | &nbsp;&nbsp;12.17 | &nbsp;&nbsp;17.32 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;D &nbsp;&nbsp;B &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;D &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_435 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;85.00 | &nbsp;&nbsp;85.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;86.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/04/2022 | &nbsp;&nbsp;123 | &nbsp;&nbsp;8096.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;707 | &nbsp;&nbsp;693 | &nbsp;&nbsp;698 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;698 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;3295.72 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;17.04 | &nbsp;&nbsp;17.04 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.500 | &nbsp;&nbsp;2726.81 | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_437 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;3%, 2%, 1% of UPB in year 1,2,3 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Rate and Term Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;52.57 | &nbsp;&nbsp;52.57 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;78.42 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/09/2022 | &nbsp;&nbsp;87 | &nbsp;&nbsp;10000.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;652 | &nbsp;&nbsp;640 | &nbsp;&nbsp;661 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;652 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2094.14 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1.32 | &nbsp;&nbsp;1.32 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.000 | &nbsp;&nbsp;1686.24 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_438 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;68.00 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/08/2022 | &nbsp;&nbsp;239 | &nbsp;&nbsp;2000.00 | &nbsp;&nbsp;13 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;752 | &nbsp;&nbsp;765 | &nbsp;&nbsp;783 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;765 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1236.6 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;25.66 | &nbsp;&nbsp;25.66 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.875 | &nbsp;&nbsp;637.17 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_443 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Full Appraisal | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.33 | &nbsp;&nbsp;70.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;463.73 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/11/2022 | &nbsp;&nbsp;177 | &nbsp;&nbsp;183259.00 | &nbsp;&nbsp;18 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;743 | &nbsp;&nbsp;721 | &nbsp;&nbsp;745 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;743 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;12.72 | &nbsp;&nbsp;20.51 | &nbsp;&nbsp;25016.39 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;16.47 | &nbsp;&nbsp;16.47 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.250 | &nbsp;&nbsp;12427.35 | &nbsp;&nbsp;12.72 | &nbsp;&nbsp;20.51 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_446 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;75.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;100.25 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/14/2022 | &nbsp;&nbsp;128 | &nbsp;&nbsp;9000.00 | &nbsp;&nbsp;55 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;682 | &nbsp;&nbsp;693 | &nbsp;&nbsp;680 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;682 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1308.01 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6.8 | &nbsp;&nbsp;6.80 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;5.875 | &nbsp;&nbsp;1042.59 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_448 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;55.33 | &nbsp;&nbsp;55.33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;115.43 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;02/15/2022 | &nbsp;&nbsp;7 | &nbsp;&nbsp;1000.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;644 | &nbsp;&nbsp;666 | &nbsp;&nbsp;573 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;644 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2720.32 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;14.9 | &nbsp;&nbsp;14.90 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.500 | &nbsp;&nbsp;2098.47 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_460 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Rural | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;56.00 | &nbsp;&nbsp;56.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;186.33 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;03/03/2022 | &nbsp;&nbsp;151 | &nbsp;&nbsp;37732.00 | &nbsp;&nbsp;12 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;725 | &nbsp;&nbsp;758 | &nbsp;&nbsp;734 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;788 | &nbsp;&nbsp;789 | &nbsp;&nbsp;771 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;734 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;38.31 | &nbsp;&nbsp;43.77 | &nbsp;&nbsp;12778.21 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;38.77 | &nbsp;&nbsp;38.77 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.000 | &nbsp;&nbsp;8393.71 | &nbsp;&nbsp;38.31 | &nbsp;&nbsp;43.77 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_467 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Broker | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;SFR | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;67.86 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;06/03/2019 | &nbsp;&nbsp;109 | &nbsp;&nbsp;15000.00 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;761 | &nbsp;&nbsp;708 | &nbsp;&nbsp;762 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;761 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;34.84 | &nbsp;&nbsp;44.31 | &nbsp;&nbsp;4431.5 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;6.125 | &nbsp;&nbsp;2849.70 | &nbsp;&nbsp;34.84 | &nbsp;&nbsp;44.32 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;D &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;D | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_470 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;7/1 I/O ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;84 | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;6 mos interest on amt prepd that is >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1-Year TCM (weekly) | &nbsp;&nbsp;45 | &nbsp;&nbsp;3.000 | &nbsp;&nbsp;N 1/8 | &nbsp;&nbsp;6.7500 | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;12 Months | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;2.0000 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;10.7500 | &nbsp;&nbsp;4.7500 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Cashout Refi | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;65.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not for fixed period; upon credit approval for adj period | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;115.08 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;08/12/2021 | &nbsp;&nbsp;238 | &nbsp;&nbsp;35000.00 | &nbsp;&nbsp;6 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;759 | &nbsp;&nbsp;769 | &nbsp;&nbsp;773 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;769 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6399.99 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;Qualifying Rate | &nbsp;&nbsp;4.750 | &nbsp;&nbsp;4785.62 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;D &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_474 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;No | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Primary | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Low Rise Condo (1-4) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Owner | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;54.26 | &nbsp;&nbsp;54.26 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Preliminary Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;64.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;09/07/2021 | &nbsp;&nbsp;101 | &nbsp;&nbsp;8500.00 | &nbsp;&nbsp;4 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;816 | &nbsp;&nbsp;820 | &nbsp;&nbsp;797 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;810 | &nbsp;&nbsp;817 | &nbsp;&nbsp;808 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;816 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;35.73 | &nbsp;&nbsp;40.47 | &nbsp;&nbsp;2785.68 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;6.78 | &nbsp;&nbsp;6.78 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;3.250 | &nbsp;&nbsp;1523.23 | &nbsp;&nbsp;35.73 | &nbsp;&nbsp;40.47 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Non-QM: Lender documented all ATR UW factors &nbsp;&nbsp;C &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A &nbsp;&nbsp;C | &nbsp;&nbsp;A |
| &nbsp;&nbsp;500_476 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;60 | &nbsp;&nbsp;6 mos interest on amt prepd in 12 mos that is >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1004 SFR (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Detached PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Suburban | &nbsp;&nbsp;Tenant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;173.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;4 | &nbsp;&nbsp;No | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2545.93 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;1.29 | &nbsp;&nbsp;1.29 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.625 | &nbsp;&nbsp;1691.52 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B | &nbsp;&nbsp;A &nbsp;&nbsp;B |
| &nbsp;&nbsp;500_479 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Conventional | &nbsp;&nbsp;30 Yr Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Monthly | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;360 | &nbsp;&nbsp;360 | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Yes | &nbsp;&nbsp;36 | &nbsp;&nbsp;6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Investor | &nbsp;&nbsp;Purchase | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;1073 Condo (Mar 05) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;High Rise Condo (9+) | &nbsp;&nbsp;1 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Urban | &nbsp;&nbsp;Vacant | &nbsp;&nbsp;As-Is | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;67.32 | &nbsp;&nbsp;67.32 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Not Assumable | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;1 | &nbsp;&nbsp;Present | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Commitment Title | &nbsp;&nbsp;Fee Simple | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;139.58 | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;0.00 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;3 | &nbsp;&nbsp;No | &nbsp;&nbsp;Present | &nbsp;&nbsp;12/15/2021 | &nbsp;&nbsp;165 | &nbsp;&nbsp;38000.00 | &nbsp;&nbsp;8 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;767 | &nbsp;&nbsp;800 | &nbsp;&nbsp;764 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;767 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2326.73 | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;36.97 | &nbsp;&nbsp;36.97 | &nbsp;&nbsp;Fully Amortized | &nbsp;&nbsp;4.500 | &nbsp;&nbsp;1159.81 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Alt Doc/Bank Statements | &nbsp;&nbsp;No | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;Present | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;Missing | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;(No Data) | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;XXXXXX | &nbsp;&nbsp;ATR/QM: Exempt | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |

---

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2023-NQM2** |
| **Start - End Dates:** | **7/19/2019 - 4/15/2022** |
| **Deal Loan Count:** | **183** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *183* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 500_1 | XXXXXX | XXXXXX | XXXXXX | XXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.8836 | Yes | Yes | 2.156 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34 | 34.66 | 34 | 34.66 | 34.66 | 34.66 | Yes | Yes | Yes | 12250.33 | No | (No Data) | No | (No Data) | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months; | (No Data) | (No Data) | (No Data) |
| 500_2 | XXXXXX | XXXXXX | XXXXXX | XXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.3285 | Yes | Yes | 2.52 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.41 | 28.41 | 28.41 | 28.41 | 28.41 | 28.41 | No | Yes | Yes | 18196.01 | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 500_3 | XXXXXX | XXXXXX | XXXXXX | XXXX | QM: Safe Harbor | Not Provided | QM: Safe Harbor | XXXXXX | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.2794 | Yes | Yes | 1.898 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.72 | 21.04 | 19.72 | 21.04 | 21.04 | 21.04 | Yes | Yes | Yes | 28822.89 | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | Business Tax Return - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 500_4 | XXXXXX | XXXXXX | XXXXXX | XXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.8418 | Yes | Yes | 2.669 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.52 | 21.52 | 21.52 | 21.52 | 21.52 | 21.52 | Yes | Yes | Yes | 31365.42 | No | (No Data) | No | (No Data) | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_5 | XXXXXX | XXXXXX | XXXXXX | XXXX | QM: Safe Harbor | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.5781 | Yes | Yes | 1.333 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.09 | 40.09 | 39.09 | 40.09 | 40.09 | 40.09 | Yes | Yes | Yes | 11022.42 | No | (No Data) | No | (No Data) | Yes | No | No | (No Data) | Yes | 6 | Yes | 1 | Yes | 1 | No | (No Data) | Yes | 24 | Yes | 24 | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 48 months;<br> Paystub - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) |
| 500_554 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | Present | ATR/QM: Exempt | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | Yes | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0849 | No | Yes | 0.873 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -7285.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 500_531 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9755.1 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 1.2301 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_10 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2624.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.9047 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_12 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.5348 | No | No | 1.651 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.28 | 43.14 | 43.28 | 43.14 | 43.14 | 43.14 | Yes | Yes | Yes | 2562.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 500_15 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9411.73 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.1480 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_16 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.8586 | No | Yes | 1.243 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42 | 44.75 | 42 | 44.75 | 44.75 | 44.75 | Yes | Yes | Yes | 4485.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months;<br> IRS Transcripts – W2(s) - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_17 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1703.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 895.00 | 0.5250 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_25 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2444.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.3092 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_29 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.8248 | No | No | 1.99 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.29 | 51.64 | 50.29 | 51.64 | 51.64 | 51.64 | Yes | Yes | Yes | 4251.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 500_30 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.4090 | No | No | 1.526 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.87 | 47.77 | 47.87 | 47.77 | 47.77 | 47.77 | Yes | Yes | Yes | 2853.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_32 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1261 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1525.00 | No | (No Data) | 1.1557 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_34 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.5024 | Yes | Yes | 1.015 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.64 | 25.21 | 28.64 | 25.21 | 25.21 | 25.21 | Yes | Yes | Yes | 14471.31 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 500_37 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 5.9901 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2236.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1795.00 | 0.8030 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_39 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.6725 | Yes | Yes | 3.371 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.03 | 35.03 | 35.03 | 35.03 | 35.02 | 35.03 | Yes | Yes | Yes | 4503.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_40 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4807 | Yes | Yes | 1.075 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.71 | 17.71 | 17.71 | 17.71 | 17.71 | 17.71 | Yes | Yes | Yes | 83582.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_555 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1567 | No | Yes | 1.277 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.76 | 41.91 | 35.76 | 48.25 | 35.15 | 39.76 | Yes | Yes | Yes | 12948.36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 500_44 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | Yes | Second Home | Mixed Use | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 2%, 1% of amt prepd in 12 mos that is >20% of OPB in year 1,2 | (No Data) | No | Yes | 1 | 6.7988 | Yes | No | 1.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 9.98 | 0 | 9.98 | 9.98 | 10.07 | (No Data) | (No Data) | (No Data) | 135036.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 500_46 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | Yes | Second Home | Mixed Use | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2%, 1% of OPB in year 1 and 2 | (No Data) | No | Yes | 1 | 6.7491 | Yes | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 2.65 | 0 | 2.65 | 2.65 | 2.65 | (No Data) | (No Data) | (No Data) | 455617.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 500_49 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.9796 | No | Yes | 3.02 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.35 | 45.35 | 34.35 | 45.29 | 45.29 | 45.35 | No | No | (No Data) | 49769.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 500_50 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8973 | No | No | 2.194 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.33 | 49.18 | 49.33 | 55.76 | 49.18 | 49.18 | Yes | Yes | Yes | 7414.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | Personal Bank Statements - 25 months;<br> Verbal VOE with Income - 1 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 500_51 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0782 | Yes | Yes | 1.444 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.16 | 18.38 | 18.16 | 20.05 | 18.38 | 18.38 | No | No | (No Data) | 28356.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_54 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.8730 | Yes | Yes | 3.425 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | Yes | Yes | Yes | 1222.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 4 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_58 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1566.51 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1200.00 | 0.7660 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_59 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.0000 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.81 | 0 | 6.81 | 6.81 | 6.81 | (No Data) | (No Data) | (No Data) | 50320.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 15 months; | (No Data) | (No Data) | (No Data) |
| 500_63 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.2986 | Yes | Yes | 0.558 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.97 | 5.06 | 4.97 | 5.06 | 5.06 | 5.06 | Yes | Yes | Yes | 417194.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months; | (No Data) | (No Data) | (No Data) |
| 500_64 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4882 | Yes | Yes | 1.224 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.97 | 25.05 | 22.97 | 25.05 | 25.05 | 25.05 | Yes | Yes | Yes | 22947.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 500_68 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.4634 | No | No | 1.045 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.43 | 46.59 | 46.43 | 46.59 | 46.59 | 46.59 | Yes | Yes | Yes | 5239.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_70 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3039.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1850.00 | 0.9090 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_73 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.7066 | Yes | Yes | 3.488 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.88 | 28.88 | 28.88 | 28.88 | 28.88 | 28.88 | Yes | Yes | Yes | 4835.9 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 500_82 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2038.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.3736 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_83 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 5.7678 | No | No | 3.216 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.21 | 49.95 | 50.21 | 49.95 | 49.95 | 49.95 | Yes | Yes | Yes | 4756.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 33 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 6 months;<br> W2 - 24 months;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 500_90 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.3367 | Yes | Yes | 2.403 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.4 | 11.4 | 11.4 | 11.4 | 11.4 | 11.4 | Yes | Yes | Yes | 12847.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_96 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.9370 | Yes | Yes | 3.534 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.38 | 14.65 | 16.38 | 14.65 | 14.65 | 14.65 | Yes | Yes | Yes | 23229.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 500_98 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1947.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.9242 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_109 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.5033 | No | No | 1.519 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.58 | 46.1 | 47.58 | 46.1 | 46.1 | 46.1 | Yes | Yes | Yes | 17385.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 16 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 16 months; | (No Data) | (No Data) | (No Data) |
| 500_112 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4391.93 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.2951 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_113 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.2945 | Yes | Yes | 3.472 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.06 | 13.54 | 13.06 | 13.54 | 13.54 | 13.54 | Yes | Yes | Yes | 35603.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 128 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 128 months; | (No Data) | (No Data) | (No Data) |
| 500_117 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.6251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8780.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6700.00 | No | (No Data) | 0.7630 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_118 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4433 | Yes | Yes | 2.028 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.72 | 26.72 | 26.72 | 26.72 | 26.72 | 26.72 | Yes | Yes | Yes | 10146.12 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 500_120 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.3751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5305.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 0.7920 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_128 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.8517 | Yes | Yes | 3.803 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.71 | 33.85 | 33.71 | 33.85 | 33.85 | 33.85 | Yes | Yes | Yes | 4125.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 30 months; | (No Data) | (No Data) | (No Data) |
| 500_131 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.9954 | No | No | 1.284 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.49 | 47 | 45.49 | 47 | 47 | 47 | Yes | Yes | Yes | 6356.61 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 156 | No | (No Data) | Yes | 156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 156 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 156 months; | (No Data) | (No Data) |
| 500_132 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8848 | No | No | 2.393 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.57 | 43.57 | 43.57 | 43.57 | 43.57 | 43.57 | Yes | Yes | Yes | 6892.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 500_133 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1844.76 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3010 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_134 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.6648 | Yes | Yes | 3.075 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.36 | 27.36 | 27.36 | 27.36 | 27.36 | 27.36 | Yes | Yes | Yes | 5795.82 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_135 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4485 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.41 | 16.41 | 16.41 | 16.41 | 16.41 | 16.41 | Yes | Yes | Yes | 22092.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 114 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 114 months; | (No Data) | (No Data) | (No Data) |
| 500_137 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1774.08 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3530 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_139 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1065.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1200.00 | 1.1266 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_142 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.7490 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1511.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1775.00 | No | (No Data) | 1.1443 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_147 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9374 | Yes | Yes | 1.711 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.85 | 38.85 | 38.85 | 38.85 | 38.85 | 38.85 | Yes | Yes | Yes | 5577.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 500_151 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.0444 | Yes | Yes | 3.321 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.66 | 41.21 | 39.66 | 41.21 | 41.21 | 41.21 | Yes | Yes | Yes | 2561.68 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 500_156 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2044.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2200.00 | 1.0763 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_157 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4711.22 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 5550.00 | 1.1674 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_159 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.8750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2065.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.2103 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_161 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0383 | Yes | Yes | 1.721 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.81 | 18.81 | 11.81 | 18.81 | 18.81 | 18.81 | Yes | Yes | Yes | 34101.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 144 months; | (No Data) | (No Data) | (No Data) |
| 500_166 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.3740 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1466.54 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2375.00 | No | (No Data) | 1.6195 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_168 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.4519 | Yes | Yes | 0.873 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.72 | 35.13 | 28.72 | 35.13 | 35.13 | 35.13 | Yes | Yes | Yes | 29536.31 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 92 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_170 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2541.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3995.00 | No | (No Data) | 1.5717 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 1 months; | (No Data) | (No Data) | (No Data) |
| 500_172 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1707.69 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1850.00 | 1.0833 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_175 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3448.85 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 0.8118 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 500_176 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.6251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1210.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.0330 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_183 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 1% of OPB | (No Data) | No | Yes | 1 | 3.8750 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1746.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.2027 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_184 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.6251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5866.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 0.7670 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_185 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1924.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.9353 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_186 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.1250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1787.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1000.00 | 0.5595 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_187 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2295.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2825.00 | No | (No Data) | 1.2309 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_191 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1911.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0463 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_192 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.2441 | Yes | Yes | 3.67 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.62 | 21.62 | 21.62 | 21.62 | 21.62 | 21.62 | Yes | Yes | Yes | 4075.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 190 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> Written VOE - 190 months; | (No Data) | (No Data) | (No Data) |
| 500_193 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0378 | Yes | Yes | 2.326 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.07 | 33.86 | 33.07 | 33.86 | 33.86 | 33.86 | Yes | Yes | Yes | 12329.2 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months; | Award Letter - 1 months; | (No Data) | (No Data) |
| 500_196 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3153.05 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.0149 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_200 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1504.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1984.00 | No | (No Data) | 1.3184 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_201 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1527.54 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1675.00 | No | (No Data) | 1.0965 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_202 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 3.5405 | No | No | 1.858 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.49 | 49.75 | 0 | 49.75 | 49.75 | 49.75 | Yes | Yes | Yes | 1884.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 20 months; | (No Data) | (No Data) | (No Data) |
| 500_204 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.2346 | Yes | Yes | 3.84 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.17 | 28.17 | 28.17 | 28.17 | 28.17 | 28.17 | Yes | Yes | Yes | 3890.62 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 8 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 8 months;<br> Written VOE - 30 months; | (No Data) | (No Data) | (No Data) |
| 500_205 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.8847 | Yes | Yes | 2.601 | 4.625 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.79 | 27.91 | 27.79 | 27.91 | 27.91 | 27.91 | Yes | Yes | Yes | 11146.37 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 500_206 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.1250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -752.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1375.00 | No | (No Data) | 1.8282 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_214 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3144.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 0.5565 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_218 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1676.79 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.2520 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_219 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1014.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.2324 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_224 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1164.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1300.00 | 1.1159 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_226 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14467.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 14500.00 | No | (No Data) | 1.1500 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_228 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1632.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1736.00 | No | (No Data) | 1.0631 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_230 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1474.43 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.0173 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_231 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.7314 | No | No | 2.554 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.36 | 48.36 | 48.36 | 48.36 | 48.36 | 48.36 | Yes | Yes | Yes | 3918.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 24 months;<br> Personal Tax Return - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_242 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1579.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.0130 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_243 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4505.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 0.8380 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_250 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.7087 | Yes | Yes | 0.934 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.5 | 41.52 | 41.52 | 41.52 | 41.52 | 41.52 | Yes | Yes | Yes | 6266.73 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 1 months; | (No Data) |
| 500_251 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.6251 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1563.1 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.2795 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_254 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.7490 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2082.33 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1301 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_255 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.7791 | Yes | Yes | 2.346 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.58 | 32.76 | 36.58 | 32.76 | 32.76 | 32.76 | Yes | Yes | Yes | 13929.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 500_257 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1966.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 0.8900 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_261 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1462.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.3672 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_263 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -853.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1150.00 | No | (No Data) | 1.3480 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_265 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 3.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1420.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 0.9505 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_266 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2541.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.1015 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_268 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6579.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 7500.00 | 1.1398 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_277 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1602 | Yes | Yes | 2.84 | 5.875 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.68 | 7.58 | 7.68 | 7.58 | 7.58 | 7.58 | Yes | Yes | Yes | 78378.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) | (No Data) |
| 500_282 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8027.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2150.00 | 0.9625 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_283 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.0355 | No | Yes | 1.457 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.07 | 44.04 | 33.07 | 44.04 | 44.04 | 44.04 | Yes | Yes | Yes | 12361.64 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 48 months; | Business Bank Statements - 13 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) |
| 500_285 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 5.6251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3563.11 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3738.00 | No | (No Data) | 1.0491 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_286 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2508.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2650.00 | No | (No Data) | 1.0562 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_289 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8861 | Yes | Yes | 1.342 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.38 | 19.15 | 21.38 | 19.15 | 19.15 | 19.15 | Yes | Yes | Yes | 50654.89 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months; | (No Data) | (No Data) | (No Data) |
| 500_290 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3378.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 0.3552 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_291 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.3701 | Yes | Yes | 2.425 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.85 | 16.29 | 27.85 | 16.29 | 16.29 | 16.29 | Yes | Yes | Yes | 14309.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_293 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 4.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1713.89 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 1.1961 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 500_294 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2276.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.3618 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_295 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.6814 | Yes | Yes | 2.157 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.12 | 36.12 | 36.12 | 36.12 | 36.12 | 36.12 | Yes | Yes | Yes | 6654.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 4 months; | (No Data) | (No Data) | (No Data) |
| 500_296 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1540.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1540.12 | No | (No Data) | 1.2986 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_297 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1044.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1200.00 | 1.1485 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_298 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 4.5914 | Yes | No | 3.94 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.14 | 23.11 | 45.14 | 23.11 | 23.11 | 23.11 | Yes | Yes | Yes | 2689.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_301 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Condotel | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.5368 | Yes | Yes | 3.228 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.86 | 16.49 | 11.86 | 16.49 | 16.49 | 16.49 | Yes | Yes | Yes | 27703.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 21 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 3 months;<br> Business Tax Return - 24 months;<br> P & L - 21 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_306 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1547.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0984 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_308 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1137.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.3623 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_311 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2240.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0266 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_313 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.8315 | Yes | Yes | 2.053 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.24 | 10.13 | 10.24 | 10.13 | 10.13 | 10.13 | Yes | Yes | Yes | 44328.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 13 months;<br> CPA Letter without Income - 84 months; | (No Data) | (No Data) | (No Data) |
| 500_314 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3163 | Yes | Yes | 2.769 | 7.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.85 | 38.84 | 35.85 | 38.84 | 38.84 | 38.84 | Yes | Yes | Yes | 4025.88 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> Verbal VOE with Income - 60 months;<br> W2 - 24 months;<br> Written VOE - 240 months; | (No Data) | (No Data) | (No Data) |
| 500_319 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.1871 | No | No | 2.052 | 3.999 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.63 | 52.66 | 45.63 | 52.66 | 52.66 | 52.66 | Yes | Yes | Yes | 1797.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 120 months; | (No Data) | (No Data) | (No Data) |
| 500_323 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.2490 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2111.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.2312 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_325 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2% of UPB in year 1,2,3,4 | (No Data) | Yes | Yes | 1 | 3.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4602.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3650.00 | No | (No Data) | 0.7931 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_327 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.6230 | Yes | Yes | 1.454 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.46 | 32.91 | 32.46 | 32.91 | 32.91 | 32.91 | Yes | Yes | Yes | 21005.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_328 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2163.61 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.6470 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_329 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2593 | No | No | 2.01 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.22 | 46.58 | 44.22 | 46.58 | 46.58 | 46.58 | Yes | Yes | Yes | 6035.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 500_330 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.3244 | Yes | Yes | 2.051 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.55 | 34.55 | 34.55 | 34.55 | 34.55 | 34.55 | Yes | Yes | Yes | 4561.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 3 months; | (No Data) | (No Data) | (No Data) |
| 500_331 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.7500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2032.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.2299 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_335 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.1617 | Yes | Yes | 3.109 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.47 | 38.73 | 38.47 | 38.73 | 38.73 | 38.73 | No | No | (No Data) | 6121.43 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 500_339 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.1653 | Yes | Yes | 2.132 | 4.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.31 | 17.84 | 17.31 | 20.91 | 12.72 | 15.22 | Yes | Yes | Yes | 69012.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 132 months; | (No Data) | (No Data) | (No Data) |
| 500_340 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.5001 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1970.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2045.00 | 1.0380 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_341 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.6917 | Yes | Yes | 2.098 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.56 | 22.57 | 22.56 | 22.57 | 22.57 | 22.57 | Yes | Yes | Yes | 5920.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 144 months; | (No Data) | (No Data) | (No Data) |
| 500_350 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.9366 | Yes | Yes | 1.963 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.72 | 13.6 | 20.72 | 13.6 | 13.6 | 13.6 | Yes | Yes | Yes | 19154 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_356 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1469 | No | No | 1.256 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.63 | 49.63 | 49.63 | 49.63 | 49.63 | 49.63 | Yes | Yes | Yes | 8504.22 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 27 | Yes | 74 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 74 months; | (No Data) | (No Data) |
| 500_358 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2% of UPB | (No Data) | No | Yes | 1 | 4.4990 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1667.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 1.9491 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_359 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6749 | Yes | Yes | 1.277 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.76 | 14.88 | 29.76 | 14.88 | 14.88 | 14.88 | Yes | Yes | Yes | 10913.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_363 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.5290 | Yes | Yes | 1.533 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27 | 27.58 | 27.58 | 27.58 | 27.58 | 27.58 | Yes | Yes | Yes | 6931.77 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 500_366 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 4.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3075 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.1380 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_369 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 4.6250 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 10.04 | 0 | 10.04 | 10.04 | 10.04 | (No Data) | (No Data) | (No Data) | 195879.94 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 96 months; | (No Data) | (No Data) | (No Data) |
| 500_372 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.7037 | Yes | Yes | 2.306 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.76 | 18.76 | 18.76 | 18.76 | 18.76 | 18.76 | Yes | Yes | Yes | 17985.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_378 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3 mos interest on amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 5.8750 | No | No | 1.175 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11019.88 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 14000.00 | No | (No Data) | 1.2705 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_379 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 5.3751 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1340.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.2684 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_381 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -895.46 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1200.00 | 1.3401 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_382 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0220 | No | No | 2.604 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.75 | 46.92 | 46.75 | 46.92 | 46.92 | 46.92 | Yes | Yes | Yes | 2589.51 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 24 months;<br> P & L - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_383 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1651.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2205.00 | No | (No Data) | 1.3350 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_384 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 4.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3633.19 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 4000.00 | 1.1010 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_385 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 4.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6180.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6133.00 | No | (No Data) | 0.9923 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_386 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1749.27 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.2000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 500_387 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.6251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3040.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.0523 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_388 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB | (No Data) | No | Yes | 1 | 5.3751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1392 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 1495.00 | 1.0740 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_390 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2293.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2500.00 | 1.0900 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_391 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2921.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2250.00 | 0.7700 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_392 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 1%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 3.6250 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 22.11 | 0 | 22.11 | 22.11 | 22.11 | (No Data) | (No Data) | (No Data) | 27683.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 500_394 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1590 | No | No | 1.51 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.22 | 44.22 | 44.22 | 44.22 | 44.22 | 44.22 | Yes | Yes | Yes | 5162.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 144 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 500_395 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3534.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 4533.41 | 1.2826 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_396 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 5.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -29226.66 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.5894 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_398 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5029.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 8000.00 | No | (No Data) | 1.5905 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_399 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 5.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3164.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 2750.00 | 0.8690 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) |
| 500_400 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4136.44 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.7494 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 500_401 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0657 | Yes | Yes | 2.37 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.22 | 36.43 | 37.22 | 36.43 | 36.43 | 36.43 | Yes | Yes | Yes | 6220.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 500_402 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.0607 | Yes | Yes | 2.933 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.57 | 42.04 | 42.57 | 42.04 | 42.04 | 42.04 | Yes | Yes | Yes | 18534.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 500_404 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3 mos interest on amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 4.7500 | No | No | 0.95 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4690.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 6000.00 | No | (No Data) | 1.2793 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_408 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1610.59 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.7385 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_414 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.9151 | No | No | 12.969 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2986.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.1067 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_415 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.3751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3752.59 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.7994 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_417 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 5.3751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1956.68 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.2008 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_420 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.9381 | No | No | 14.854 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -935.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.4433 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_423 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3330.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 0.7065 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_426 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.3751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1752.43 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2175.00 | No | (No Data) | 1.2411 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 500_432 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.7447 | Yes | Yes | 2.742 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.11 | 17.32 | 17.11 | 17.32 | 17.32 | 17.32 | Yes | Yes | Yes | 19048.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 3 months; | (No Data) | (No Data) | (No Data) |
| 500_435 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7761 | No | Yes | 2.856 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43 | 43 | 43 | 43 | 43 | 43 | Yes | Yes | Yes | 4368.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 240 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_437 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of UPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2094.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2442.00 | No | (No Data) | 1.1661 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_438 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 4.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1236.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.2130 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_443 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.3929 | Yes | Yes | 1.583 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.51 | 20.51 | 20.51 | 20.51 | 20.51 | 20.51 | Yes | Yes | Yes | 96975.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 500_446 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 5.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1308.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1468 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_448 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2720.32 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.7720 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_460 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1636 | No | Yes | 1.623 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.43 | 43.77 | 30.43 | 43.77 | 43.77 | 43.77 | Yes | Yes | Yes | 16413.73 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 500_467 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | No | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1537 | No | No | 1.909 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.32 | 44.32 | 44.32 | 44.32 | 44.31 | 44.32 | No | Yes | Yes | 5568.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 1 months; | (No Data) | (No Data) | (No Data) |
| 500_470 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd that is >20% of OPB | (No Data) | No | Yes | 1 | 4.7500 | No | No | 1.9 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6399.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 5995.00 | 0.9370 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_474 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 3.3485 | Yes | Yes | 0.605 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.47 | 40.47 | 40.47 | 40.47 | 40.47 | 40.47 | Yes | Yes | Yes | 4097.79 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months; | CPA Letter without Income - 60 months; | (No Data) | (No Data) |
| 500_476 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 4.6250 | No | No | 1.85 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2545.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0997 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 500_479 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 4.5000 | No | No | 1.8 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2326.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0745 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.2

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **BRAVO 2023-NQM2** |
| **Start - End Dates:** | **7/19/2019 - 4/15/2022** |
| **Deal Loan Count:** | **183** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *183* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 500_1 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 23655 | XXXXXX | 3.8836 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12250.33 |
| 500_2 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 24303.1 | XXXXXX | 3.3285 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 18196.01 |
| 500_3 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 14137.4 | XXXXXX | 3.2794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 28822.89 |
| 500_4 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 34506.1 | XXXXXX | 3.8418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 31365.42 |
| 500_5 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 12940 | XXXXXX | 3.5781 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 11022.42 |
| 500_554 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5876.5 | XXXXXX | 6.0849 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 500_531 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 41250 | XXXXXX | 5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_10 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7800 | XXXXXX | 5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_12 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3395 | XXXXXX | 3.5348 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2562.23 |
| 500_15 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3024 | XXXXXX | 4.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_16 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7065 | XXXXXX | 3.8586 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4485.77 |
| 500_17 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7987.5 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_25 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.125 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_29 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2670 | XXXXXX | 4.8248 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 4251.36 |
| 500_30 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3895 | XXXXXX | 5.409 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2853.53 |
| 500_32 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7650 | XXXXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_34 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4451 | XXXXXX | 5.5024 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 14471.31 |
| 500_37 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10920 | XXXXXX | 5.9901 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_39 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9278.75 | XXXXXX | 4.6725 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4503.94 |
| 500_40 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17507.5 | XXXXXX | 6.4807 | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | 83582.52 |
| 500_555 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12334 | XXXXXX | 6.1567 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12948.36 |
| 500_44 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6552 | XXXXXX | 6.7988 | Employed | (No Data) | Non-Resident Alien | (No Data) | Yes | (No Data) | 0 |
| 500_46 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7768 | XXXXXX | 6.7491 | Employed | (No Data) | Non-Resident Alien | (No Data) | Yes | (No Data) | 0 |
| 500_49 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6745 | XXXXXX | 6.9796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 500_50 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17695 | XXXXXX | 5.8973 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7414.39 |
| 500_51 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6665.77 | XXXXXX | 7.0782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 500_54 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3295 | XXXXXX | 6.873 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1222.72 |
| 500_58 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5400 | XXXXXX | 4.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_59 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8060 | XXXXXX | 4 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_63 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13575 | XXXXXX | 4.2986 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 417194.13 |
| 500_64 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7545 | XXXXXX | 4.4882 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22947.92 |
| 500_68 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7753 | XXXXXX | 3.4634 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5239.09 |
| 500_70 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9450 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_73 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9294 | XXXXXX | 5.7066 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 4835.9 |
| 500_82 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8550 | XXXXXX | 4.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_83 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14860 | XXXXXX | 5.7678 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 4756.91 |
| 500_90 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6545 | XXXXXX | 4.3367 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12847.64 |
| 500_96 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12312.5 | XXXXXX | 4.937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23229.59 |
| 500_98 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5670 | XXXXXX | 4.875 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_109 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12657.5 | XXXXXX | 3.5033 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17573.13 |
| 500_112 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10200 | XXXXXX | 4.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_113 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12395 | XXXXXX | 4.2945 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 35603.96 |
| 500_117 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 40500 | XXXXXX | 5.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_118 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11134.38 | XXXXXX | 4.4433 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 10146.12 |
| 500_120 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14700 | XXXXXX | 5.3751 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_128 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7325 | XXXXXX | 4.8517 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 4125.29 |
| 500_131 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6175 | XXXXXX | 4.9954 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6356.61 |
| 500_132 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7230 | XXXXXX | 6.8848 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 6892.34 |
| 500_133 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9030 | XXXXXX | 4.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 500_134 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6141.88 | XXXXXX | 5.6648 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 5798.82 |
| 500_135 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.4485 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22092.37 |
| 500_137 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5773.5 | XXXXXX | 4.25 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 500_139 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5250 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_142 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8720 | XXXXXX | 4.749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_147 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4907.5 | XXXXXX | 5.9374 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 5577.35 |
| 500_151 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5920 | XXXXXX | 4.0444 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2561.68 |
| 500_156 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_157 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22470 | XXXXXX | 3.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_159 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10728 | XXXXXX | 3.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_161 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11603 | XXXXXX | 5.0383 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 34101.22 |
| 500_166 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4881 | XXXXXX | 6.374 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_168 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9770 | XXXXXX | 3.4519 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 29536.31 |
| 500_170 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6900 | XXXXXX | 4.5 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_172 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8482.5 | XXXXXX | 4.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_175 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8550 | XXXXXX | 5.75 | Employed | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 500_176 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3600 | XXXXXX | 5.6251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_183 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 2015 | XXXXXX | 3.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_184 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21375 | XXXXXX | 5.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_185 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6727.5 | XXXXXX | 5.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_186 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7368 | XXXXXX | 4.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_187 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8400 | XXXXXX | 4.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_191 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8250 | XXXXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_192 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4463.75 | XXXXXX | 6.2441 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 4075.85 |
| 500_193 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9529 | XXXXXX | 5.0378 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12379.57 |
| 500_196 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13500 | XXXXXX | 4.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_200 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5602.5 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_201 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4849.5 | XXXXXX | 5.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_202 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5817 | XXXXXX | 3.5405 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1884.01 |
| 500_204 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7073.5 | XXXXXX | 5.2346 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 3890.62 |
| 500_205 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11090 | XXXXXX | 4.8847 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 11146.37 |
| 500_206 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 2430 | XXXXXX | 5.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_214 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20962.5 | XXXXXX | 4.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_218 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7680 | XXXXXX | 4.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_219 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3600 | XXXXXX | 6 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_224 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5287.5 | XXXXXX | 4.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_226 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 57375 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_228 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6525 | XXXXXX | 5.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_230 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6975 | XXXXXX | 4.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_231 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14438 | XXXXXX | 4.7314 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3918.08 |
| 500_242 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_243 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12180 | XXXXXX | 5.75 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_250 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6920 | XXXXXX | 3.7087 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6266.73 |
| 500_251 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 2665.2 | XXXXXX | 5.6251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_254 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3825 | XXXXXX | 5.749 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_255 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11665 | XXXXXX | 4.7791 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13929.14 |
| 500_257 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5737.5 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_261 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6412.5 | XXXXXX | 5.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_263 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7275 | XXXXXX | 4 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_265 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9745 | XXXXXX | 3.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_266 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7770 | XXXXXX | 5.125 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 500_268 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 27300 | XXXXXX | 6 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_277 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14420 | XXXXXX | 6.1602 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 78378.43 |
| 500_282 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7812 | XXXXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_283 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10461.25 | XXXXXX | 4.0355 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12361.64 |
| 500_285 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 11064 | XXXXXX | 5.6251 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 500_286 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 12000 | XXXXXX | 4.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_289 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19576.25 | XXXXXX | 5.8861 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 50654.89 |
| 500_290 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 13209 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_291 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8575 | XXXXXX | 5.3701 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 14309.42 |
| 500_293 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6660 | XXXXXX | 4.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_294 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9637.5 | XXXXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_295 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11438.75 | XXXXXX | 3.6814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6654.22 |
| 500_296 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5580 | XXXXXX | 4.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_297 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3780 | XXXXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_298 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4774 | XXXXXX | 4.5914 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2689.31 |
| 500_301 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6545 | XXXXXX | 4.5368 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 27703.35 |
| 500_306 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 3487.5 | XXXXXX | 5.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_308 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4800 | XXXXXX | 4.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_311 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8775 | XXXXXX | 4.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_313 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14650 | XXXXXX | 4.8315 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 44328.73 |
| 500_314 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7626.86 | XXXXXX | 7.3163 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4025.88 |
| 500_319 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6160 | XXXXXX | 4.1871 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1797.24 |
| 500_323 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8565 | XXXXXX | 4.249 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_325 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 36310 | XXXXXX | 3.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_327 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8000 | XXXXXX | 3.623 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 21005.38 |
| 500_328 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14950 | XXXXXX | 4.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_329 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14000 | XXXXXX | 5.2593 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6035.74 |
| 500_330 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5880 | XXXXXX | 5.3244 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4561.68 |
| 500_331 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6864 | XXXXXX | 4.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_335 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9120 | XXXXXX | 5.1617 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 500_339 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 43345 | XXXXXX | 4.1653 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 69012 |
| 500_340 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6142.5 | XXXXXX | 5.5001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_341 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2350 | XXXXXX | 3.6917 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6082.98 |
| 500_350 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7500 | XXXXXX | 4.9366 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 19154 |
| 500_356 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11000 | XXXXXX | 6.1469 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8504.22 |
| 500_358 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4300 | XXXXXX | 4.499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_359 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3061.25 | XXXXXX | 5.6749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10956.91 |
| 500_363 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3890.25 | XXXXXX | 4.529 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6931.77 |
| 500_366 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17775 | XXXXXX | 4 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_369 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7200 | XXXXXX | 4.625 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_372 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8820 | XXXXXX | 4.7037 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 17985.37 |
| 500_378 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 17625 | XXXXXX | 5.875 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_379 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4080 | XXXXXX | 5.3751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_381 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5250 | XXXXXX | 7.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_382 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6370 | XXXXXX | 6.022 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 2589.51 |
| 500_383 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4608 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_384 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21840 | XXXXXX | 4.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_385 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 49000 | XXXXXX | 4.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_386 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 500_387 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_388 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 5460 | XXXXXX | 5.3751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_390 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16250 | XXXXXX | 4.875 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 500_391 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8400 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_392 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 9900 | XXXXXX | 3.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_394 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7670 | XXXXXX | 6.159 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5162.15 |
| 500_395 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 20125 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_396 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 40600 | XXXXXX | 5.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_398 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 27187.5 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_399 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 14350 | XXXXXX | 5.5001 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_400 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 19950 | XXXXXX | 6 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 500_401 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8770 | XXXXXX | 8.0657 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6220.12 |
| 500_402 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 55524.7 | XXXXXX | 5.0607 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 18534.13 |
| 500_404 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6077.62 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_408 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4905 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_414 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 46406.85 | XXXXXX | 5.9151 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_415 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 21937.5 | XXXXXX | 5.3751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 500_417 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 7827 | XXXXXX | 5.3751 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 500_420 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16403.9 | XXXXXX | 5.9381 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_423 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 25025 | XXXXXX | 4.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_426 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 10887.5 | XXXXXX | 5.3751 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 500_432 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11899.38 | XXXXXX | 4.7447 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 19048.95 |
| 500_435 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13300.94 | XXXXXX | 5.7761 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4368.07 |
| 500_437 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8437.5 | XXXXXX | 6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_438 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6020 | XXXXXX | 4.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_443 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 35062.5 | XXXXXX | 5.3929 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 96975.84 |
| 500_446 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 8812.5 | XXXXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_448 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 16600 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_460 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 22295 | XXXXXX | 6.1636 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 19413.73 |
| 500_467 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8902.5 | XXXXXX | 6.1537 | Employed | (No Data) | U.S. Citizen | (No Data) | No | No | 5568.5 |
| 500_470 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22971 | XXXXXX | 4.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 500_474 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2090 | XXXXXX | 3.3485 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 4097.79 |
| 500_476 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6086.5 | XXXXXX | 4.625 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 500_479 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 4120.2 | XXXXXX | 4.5 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |

---

©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **BRAVO 2023-NQM2** |
| **Start - End Dates:** | **7/19/2019 - 4/15/2022** |
| **Deal Loan Count:** | **183** |

---

**Waived Conditions Summary**©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | BRAVO 2023-NQM2 |
| **Start - End Dates:** | 7/19/2019 - 4/15/2022 |
| **Deal Loan Count:** | 183 |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *183* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 500_1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 11.17% | XXXXXX | 37.000 | 63.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_10 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.45% | XXXXXX | 23.000 | 77.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -2.54% | (No Data) |
| 500_15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.07% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.00% | XXXXXX | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.25% | XXXXXX | 18.000 | 82.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -14.88% | XXXXXX | 29.000 | 71.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.45% | XXXXXX | 4.400 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_30 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.35% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.92% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.00% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.90% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_39 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.68% | XXXXXX | 36.000 | 64.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 25.96% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | 1.51% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_44 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -8.31% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.21% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.64% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 14.29% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 38.38% | XXXXXX | 25.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.97% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_70 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.44% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_73 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.16% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.83% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.08% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.66% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_98 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.41% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 1.11% | (No Data) |
| 500_109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.63% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.42% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 36.60% | XXXXXX | 27.000 | 73.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.76% | XXXXXX | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.20% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.36% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.51% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.90% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.93% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.56% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.47% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.04% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.80% | XXXXXX | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -10.40% | (No Data) |
| 500_142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.92% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.41% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.22% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.09% | XXXXXX | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.79% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.28% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.40% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.10% | XXXXXX | 23.000 | 77.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -20.42% | XXXXXX | 18.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 20.00% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.89% | XXXXXX | 20.000 | 80.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 238.13% | XXXXXX | 25.000 | 75.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.97% | XXXXXX | 5.000 | 95.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.97% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.05% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -17.85% | XXXXXX | 29.000 | 71.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.10% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 5.37% | (No Data) |
| 500_187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.74% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -1.32% | (No Data) |
| 500_191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.32% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.67% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -67.83% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | -10.57% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.37% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.20% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.16% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.72% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -27.06% | XXXXXX | 17.000 | 83.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.75% | XXXXXX | 16.400 | 84.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.93% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.15% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_214 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.66% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.14% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 9.14% | (No Data) |
| 500_224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.43% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_226 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1.96% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 23.56% | XXXXXX | 25.000 | 75.00 | XXXXXX | XXXXXX | XXXXXX | 0.57% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.29% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.44% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.20% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.31% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.11% | XXXXXX | 2.500 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.18% | XXXXXX | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.93% | XXXXXX | 7.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 3.56% | (No Data) |
| 500_257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.46% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.10% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 23.78% | XXXXXX | 4.000 | 84.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 29.19% | (No Data) |
| 500_268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.43% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.57% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.23% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.43% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.23% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 1.08% | (No Data) |
| 500_289 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -11.85% | XXXXXX | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | -0.14% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.30% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.30% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -43.85% | XXXXXX | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.88% | XXXXXX | 25.000 | 75.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.41% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -47.00% | XXXXXX | 9.600 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 17.86% | (No Data) |
| 500_298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 94.62% | XXXXXX | 16.000 | 84.00 | XXXXXX | XXXXXX | XXXXXX | 4.04% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.49% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.18% | XXXXXX | 2.500 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 1.11% | (No Data) |
| 500_313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.05% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 11.09% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.36% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.28% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -3.33% | (No Data) |
| 500_327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.15% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.46% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 0.98% | (No Data) |
| 500_330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.95% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.66% | XXXXXX | 9.000 | 91.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.28% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.77% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.83% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.30% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.56% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.03% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.98% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.86% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.27% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.88% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Drive By | XXXXXX | XXXXXX | XXXXXX | 3.18% | XXXXXX | 30.000 | 70.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 46.39% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 14.71% | XXXXXX | 18.000 | 82.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.48% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.16% | XXXXXX | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.28% | XXXXXX | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_383 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -22.08% | XXXXXX | 21.000 | 79.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -88.34% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_387 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 102.00% | XXXXXX | 21.000 | 79.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.82% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -28.00% | XXXXXX | 8.000 | 92.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 46.34% | XXXXXX | 27.000 | 73.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.36% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -0.91% | (No Data) |
| 500_394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.67% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.14% | XXXXXX | 11.000 | 89.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.14% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 12.00% | XXXXXX | 50.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 3.45% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.27% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.28% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.23% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 16.58% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.95% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.09% | XXXXXX | 25.000 | 75.00 | XXXXXX | XXXXXX | XXXXXX | -0.91% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.49% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.48% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.63% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.17% | XXXXXX | 15.000 | 85.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.84% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.87% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.33% | XXXXXX | 1.000 | 99.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.32% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.75% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 24.64% | XXXXXX | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal | XXXXXX | XXXXXX | XXXXXX | -1.26% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.54% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.67% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.27% | XXXXXX | 14.000 | 86.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.88% | XXXXXX | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.90% | XXXXXX | 41.000 | 59.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.16% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -0.93% | (No Data) |
| 500_476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.98% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 500_479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.88% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.3

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Loan Funding Structure III LLC. The review included a total of 4 newly originated, QM/ATR Exempt and Non QM residential mortgage loans, in connection with the securitization identified as BRAVO 2023-NQM2 (the "Securitization"). The review began on July 10, 2019, and concluded on July 31, 2019.

**Scope of Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Guideline Review

&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.

&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

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;j. QM or ATR Validation / Review of 8 Key Underwriting Factors (If applicable)

&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

● Validate loan-to-value (LTV) and combined loan-to-value

● Review borrower's occupancy

● Validation through third party resource of the subject properties most recent twelve (12) month sales history

● 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

● Confirm that Final 1003 is sufficiently completed

● Provide Audit 1008 with accurate data based on file documentation

● Confirm Loan Approval conditions were met

● 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;k. General QM for any loans originated under the GQM Rule. (If applicable)

&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 $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 home1 with a loan amount equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

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

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

Digital Risk 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, Digital Risk 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 (AVM's, CDA's and Field reviews) were obtained to confirm the
value was supported within 10% tolerance. This population was obtained by the client and ordered by Digital Risk.

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

**Data Discrepancy**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 4 | $1572500.00 | 100.00% |
| Event Grade B | 0 | $- | 0.00% |
| Event Grade C | 0 | $- | 0.00% |
| Event Grade D | 0 | $- | 0.00% |
| **Total Sample** | 4 | $1572500.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 4 | $1572500.00 | 100.00% |
| Event Grade B | 0 | $- | 0.00% |
| Event Grade C | 0 | $- | 0.00% |
| Event Grade D | 0 | $- | 0.00% |
| **Total Sample** | 4 | $1572500.00 | 100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 4 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1572500.00 | 100.00% |
| Event Grade B | 0 | $- | 0.00% |
| Event Grade C | 0 | $- | 0.00% |
| Event Grade D | 0 | $- | 0.00% |
| **Total Sample** | 4 | $1572500.00 | 100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 4 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1572500.00 | 100.00% |
| Event Grade B | 0 | $- | 0.00% |
| Event Grade C | 0 | $- | 0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| Event Grade D | 0 | $- | 0.00% |
| **Total Sample** | 4 | $1572500.00 | 100.00% |

---

**Event Grade Definitions:**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.3

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | 500_48 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | 500_465 | XXXX | Original Appraised Value | XXXX | XXXX |
| XXXX | 500_45 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | 500_53 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | 500_465 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | 500_45 | XXXX | Property Type | Mixed Use | 5-10 Unit Multi-Family |

---

## Exhibit 99.3

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 500_465 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXXX |  | Other | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_53 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXXX |  | XXXX |  | 1004 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_48 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXXX |  | 1004 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_45 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXXX |  | Other | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| 500_465 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| 500_45 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| 500_48 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 500_53 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 500_45 |  | 1 of 7 | XXXX | XXXX | Compliance | Adjustable Rate Mortgage Loan Program Disclosure - Missing | 21977213 | The file contains no evidence that the Adjustable Rate Mortgage Loan Program Disclosure was provided to the borrower. Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)(2) | Void | **Rebuttal 1 XXXX XXXX<br> This is a loan to a business entity, and assuch, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 3 | 1 | 3 | 1 |
| 500_45 |  | 2 of 7 | XXXX | XXXX | Compliance | CHARM Booklet - Missing | 21977214 | The file contains no evidence that the CHARM Booklet was provided to the borrower. Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)(1). | Void | **Rebuttal 1 XXXX XXXX<br> This is a loan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 3 | 1 | 3 | 1 |
| 500_45 |  | 3 of 7 | XXXX | XXXX | Compliance | Missing HOC Disclosure | 21977215 | The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer. | Void | **Rebuttal 1 XXXX XXXX<br> This is a loan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 2 | 1 | 3 | 1 |
| 500_45 |  | 4 of 7 | XXXX | XXXX | Compliance | TRID - Missing Closing Disclosure | 21977212 | There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy. | Void | **Rebuttal 1 XXXX XXXX<br> This is aloan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 4 | 1 | 3 | 1 |
| 500_45 |  | 5 of 7 | XXXX | XXXX | Compliance | TRID - Missing Loan Estimate | 21977210 | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(i) | Void | **Rebuttal 1 XXXX XXXX<br> This is aloan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 4 | 1 | 3 | 1 |
| 500_45 |  | 6 of 7 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21977540 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 3 | 1 |
| 500_45 |  | 7 of 7 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21977539 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 3 | 1 |
| 500_48 |  | 1 of 3 | XXXX | XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | 21978080 | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_48 |  | 2 of 3 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21978678 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_48 |  | 3 of 3 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21978677 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_53 |  | 1 of 3 | XXXX | XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | 21979506 | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_53 |  | 2 of 3 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21980452 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500-53 |  | 3 of 3 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21980451 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_465 |  | 1 of 7 | XXXX | XXXX | Compliance | Adjustable Rate Mortgage Loan Program Disclosure - Late | 21967598 | The Adjustable Rate Mortgage Loan Program Disclosure provided in the loan file dated xxxx was not disclosed within 3 days of the application date, XXXX Truth in Lending Act (Regulation Z)12 CFR 1026.19(b) | Resolved | **Rebuttal 1 XXXX 2:53PM)<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 2 | 1 | 4 | 1 |
| 500_465 |  | 2 of 7 | XXXX | XXXX | Compliance | CHARM Booklet - Late | 21967599 | CHARM Booklet - Late. There is no date evident on the Charm Booklet provided in the loan file in order to determine if it was disclosed to the borrower within 3 days of the loan application date, XXXX Truth in Lending Act (Regulation Z)12 CFR 1026.19(b) | Resolved | **Rebuttal 1 XXXX XXXX<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 2 | 1 | 4 | 1 |
| 500_465 |  | 3 of 7 | XXXX | XXXX | Compliance | Missing HOC Disclosure | 21967600 | The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer. | Resolved | **Rebuttal 1 XXXX XXXX<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 2 | 1 | 4 | 1 |
| 500_465 |  | 4 of 7 | XXXX | XXXX | Compliance | TRID - Missing Closing Disclosure | 21967594 | There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy. | Resolved | **Rebuttal 1 XXXX XXXX<br> Thisloan is part of our ODF+ program for the cash-out refinance of an investmentproperty. As such, it is business purpose and is not subject to TRID. Exceptionfired in error.<br>Rebuttal 2 XXXX XXXX<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> Proceeds from the loan were used to pay off two personal collection accounts, therefore the loan is not considered Business Purpose and is subject to TRID requirements. (Upheld)<br>Response 2 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 4 | 1 | 4 | 1 |
| 500_465 |  | 5 of 7 | XXXX | XXXX | Compliance | TRID - Missing Loan Estimate | 21967593 | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(i) | Resolved | **Rebuttal 1 XXXX XXXX<br> Thisloan is part of our ODF+ program for the cash-out refinance of an investmentproperty. As such, it is business purpose and is not subject to TRID. Exceptionfired in error.<br>Rebuttal 2 XXXX XXXX<br> Thisloan was for the refinance of a 5+ unit investment property, and as such is nota residential loan and TRID does not apply. The use of monies for this dealdoes not make it residential** | **Response 1 XXXX XXXX<br> Proceeds from the loan were used to pay off two personal collection accounts, therefore the loan is not considered Business Purpose and is subject to TRID requirements. (Upheld)<br>Response 2 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 4 | 1 | 4 | 1 |
| 500_465 |  | 6 of 7 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21967576 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 4 | 1 |
| 500_465 |  | 7 of 7 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21967578 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 4 | 1 |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| 500_465 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) TRID - Missing Loan Estimate- <br>The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(i)<br>Response 1 XXXX XXXX<br> Proceeds from the loan were used to pay off two personal collection accounts, therefore the loan is not considered Business Purpose and is subject to TRID requirements. (Upheld)<br>Response 2 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)<br>(Clear) TRID - Missing Closing Disclosure- <br>There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy.<br>Response 1 XXXX XXXX<br> Proceeds from the loan were used to pay off two personal collection accounts, therefore the loan is not considered Business Purpose and is subject to TRID requirements. (Upheld)<br>Response 2 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)<br>(Clear) Adjustable Rate Mortgage Loan Program Disclosure - Late- <br>The Adjustable Rate Mortgage Loan Program Disclosure provided in the loan file dated XXXX was not disclosed within 3 days of the application date, XXXX Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)<br>Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)<br>(Clear) CHARM Booklet - Late- <br>CHARM Booklet - Late. There is no date evident on the Charm Booklet provided in the loan file in order to determine if it was disclosed to the borrower within 3 days of the loan application date, XXXX Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)<br>Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)<br>(Clear) Missing HOC Disclosure- <br>The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer.<br>Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.** | **(Clear) Appraisal was performed by appropriately licensed appraiser- <br>The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides.** |  | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| 500_45 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) TRID - Missing Loan Estimate- <br>The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(i)<br>Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.<br>(Clear) TRID - Missing Closing Disclosure- <br>There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy.<br>Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.<br>(Clear) Adjustable Rate Mortgage Loan Program Disclosure - Missing- <br>The file contains no evidence that the Adjustable Rate Mortgage Loan Program Disclosure was provided to the borrower. Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)(2)<br>Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.<br>(Clear) CHARM Booklet - Missing- <br>The file contains no evidence that the CHARM Booklet was provided to the borrower. Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)(1).<br>Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.<br>(Clear) Missing HOC Disclosure- <br>The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer.<br>Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal was performed by appropriately licensed appraiser- <br>The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides.<br>**  |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| 500_48 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal was performed by appropriately licensed appraiser- <br>The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 500_53 |  | XXXX | XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal was performed by appropriately licensed appraiser- <br>The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 500_45 |  | 1 of 7 | XXXX | XXXX | Compliance | Adjustable Rate Mortgage Loan Program Disclosure - Missing | 21977213 | The file contains no evidence that the Adjustable Rate Mortgage Loan Program Disclosure was provided to the borrower. Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)(2) | Void | **Rebuttal 1 XXXX XXXX<br> This is a loan to a business entity, and assuch, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 3 | 1 | 3 | 1 |
| 500_45 |  | 2 of 7 | XXXX | XXXX | Compliance | CHARM Booklet - Missing | 21977214 | The file contains no evidence that the CHARM Booklet was provided to the borrower. Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)(1). | Void | **Rebuttal 1 XXXX XXXX<br> This is a loan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 3 | 1 | 3 | 1 |
| 500_45 |  | 3 of 7 | XXXX | XXXX | Compliance | Missing HOC Disclosure | 21977215 | The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer. | Void | **Rebuttal 1 XXXX XXXX<br> This is a loan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 2 | 1 | 3 | 1 |
| 500_45 |  | 4 of 7 | XXXX | XXXX | Compliance | TRID - Missing Closing Disclosure | 21977212 | There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy. | Void | **Rebuttal 1 XXXX XXXX<br> This is aloan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 4 | 1 | 3 | 1 |
| 500_45 |  | 5 of 7 | XXXX | XXXX | Compliance | TRID - Missing Loan Estimate | 21977210 | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(i) | Void | **Rebuttal 1 XXXX XXXX<br> This is aloan to a business entity, and as such, is not subject to TRID.** | **Response 1 XXXX XXXX<br> Confirmed the borrower is a business entity.** |  | 4 | 1 | 3 | 1 |
| 500_45 |  | 6 of 7 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21977540 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 3 | 1 |
| 500_45 |  | 7 of 7 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21977539 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 3 | 1 |
| 500_48 |  | 1 of 3 | XXXX | XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | 21978080 | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_48 |  | 2 of 3 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21978678 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_48 |  | 3 of 3 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21978677 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_53 |  | 1 of 3 | XXXX | XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | 21979506 | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_53 |  | 2 of 3 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21980452 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500-53 |  | 3 of 3 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21980451 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 1 | 1 |
| 500_465 |  | 1 of 7 | XXXX | XXXX | Compliance | Adjustable Rate Mortgage Loan Program Disclosure - Late | 21967598 | The Adjustable Rate Mortgage Loan Program Disclosure provided in the loan file dated xxxx was not disclosed within 3 days of the application date, XXXX Truth in Lending Act (Regulation Z)12 CFR 1026.19(b) | Resolved | **Rebuttal 1 XXXX 2:53PM)<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 2 | 1 | 4 | 1 |
| 500_465 |  | 2 of 7 | XXXX | XXXX | Compliance | CHARM Booklet - Late | 21967599 | CHARM Booklet - Late. There is no date evident on the Charm Booklet provided in the loan file in order to determine if it was disclosed to the borrower within 3 days of the loan application date, XXXX Truth in Lending Act (Regulation Z)12 CFR 1026.19(b) | Resolved | **Rebuttal 1 XXXX XXXX<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 2 | 1 | 4 | 1 |
| 500_465 |  | 3 of 7 | XXXX | XXXX | Compliance | Missing HOC Disclosure | 21967600 | The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer. | Resolved | **Rebuttal 1 XXXX XXXX<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 2 | 1 | 4 | 1 |
| 500_465 |  | 4 of 7 | XXXX | XXXX | Compliance | TRID - Missing Closing Disclosure | 21967594 | There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy. | Resolved | **Rebuttal 1 XXXX XXXX<br> Thisloan is part of our ODF+ program for the cash-out refinance of an investmentproperty. As such, it is business purpose and is not subject to TRID. Exceptionfired in error.<br>Rebuttal 2 XXXX XXXX<br> This loan was for the refinance of a 5+ unitinvestment property, and as such is not a residential loan and TRID does notapply. The use of monies for this deal does not make it residential** | **Response 1 XXXX XXXX<br> Proceeds from the loan were used to pay off two personal collection accounts, therefore the loan is not considered Business Purpose and is subject to TRID requirements. (Upheld)<br>Response 2 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 4 | 1 | 4 | 1 |
| 500_465 |  | 5 of 7 | XXXX | XXXX | Compliance | TRID - Missing Loan Estimate | 21967593 | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(i) | Resolved | **Rebuttal 1 XXXX XXXX<br> Thisloan is part of our ODF+ program for the cash-out refinance of an investmentproperty. As such, it is business purpose and is not subject to TRID. Exceptionfired in error.<br>Rebuttal 2 XXXX XXXX<br> Thisloan was for the refinance of a 5+ unit investment property, and as such is nota residential loan and TRID does not apply. The use of monies for this dealdoes not make it residential** | **Response 1 XXXX XXXX<br> Proceeds from the loan were used to pay off two personal collection accounts, therefore the loan is not considered Business Purpose and is subject to TRID requirements. (Upheld)<br>Response 2 XXXX XXXX<br> The explanation provided is sufficient to clear the defect. (Resolved)** |  | 4 | 1 | 4 | 1 |
| 500_465 |  | 6 of 7 | XXXX | XXXX | Credit | The loan meets all applicable credit guidelines | 21967576 | The loan meets all applicable credit guidelines. |  |  |  |  | 1 | 1 | 4 | 1 |
| 500_465 |  | 7 of 7 | XXXX | XXXX | Valuation | Appraisal was performed by appropriately licensed appraiser | 21967578 | The appraisal under review was performed and completed by an appropriately licensed appraiser. Meets guides. |  |  |  |  | 1 | 1 | 4 | 1 |

---

## Exhibit 99.4

![](n3137-x3img016.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br> BRAVO 2023-NQM2<br> Dated: February 8, 2023<br>

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Loan Funding Structure III LLC, (the "Client") or an affiliate. The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.** 

The final population of the Review covered 7 loans, consisting of 2 Residential Loans and 5 Business Purpose loans, totaling an aggregate original principal balance of approximately $5,111,200. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. (Fitch), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the diligence system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

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|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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**<u>Scope of Review</u>**

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

*Property Income*

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

 

 

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*Valuation Review*

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

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

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

*Asset Review*

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

*Insurance*

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

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

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*Fraud / Criminal Background*

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

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

● Final Form 1003/Loan application is reviewed to ensure 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.

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

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

● Review additional items for confirmation of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o That the credit report address is different than the
subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is a lease in place if the loan is a refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% |

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**APPENDIX A**

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

 ****

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") 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 SFIG Compliance Review Scope.)

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

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

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

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**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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## Exhibit 99.4

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 02/07/2023 1:33:31 PM** |

---

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.4

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| |
|:---|
| **Exception Detail** |
| **Run Date - 02/07/2023 1:33:31 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | 6228490 | 959 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  |  | Initial XXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXX was not provided. |  |  | 10/21/2021 |  | A | 1 | XXXXXXXXXX CA | 3 | 1 B A | N/A | N/A |  | Exempt | 1 |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | 6225707 | 959 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | Please provide a copy of the XXXXX. | Information provided |  |  | 10/21/2021 |  | A | 1 | XXXXXXXXXX CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | 6228541 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Fraud report was not provided for review | Documentation has been provided. |  |  | 10/21/2021 |  | A | 1 | XXXXXXXXXX CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | 6237211 | 381 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Updated Review required |  | Provide a copy of the final loan approval sheet showing the document type and program used in qualifying as the conditional loan approval notice does not show that information. | Documentation has been provided. |  |  | 11/01/2021 |  | A | 1 | XXXXXXXXXX CA | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | 6237234 | 396 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Manual Credit Report Incomplete/Missing |  | Provide a copy of the credit report as it's missing. | Borrower is a foreign national. Condition has been cleared. |  |  | 11/02/2021 |  | A | 1 | XXXXXXXXXX CA | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | 6237237 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a copy of the fraud risk report as its missing in the loan file. | Documentation has been provided. |  |  | 11/01/2021 |  | A | 1 | XXXXXXXXXX CA | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | 6283966 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a desk review or XXX | Documentation has been provided. |  |  | 11/03/2021 |  | A | 1 | XXXXXXXXXX CA | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | 6713480 | 201 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  |  | Information provided |  |  | 03/11/2022 |  | A | 1 | XXXXXXXXXX CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.4

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| |
|:---|
| **Valuation Report** |
| **Run Date - 02/07/2023 1:33:31 PM** |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXXX |  | 0.00% | Fannie Mae | 1.2 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXXX |  | 0.00% | ClearCapital |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |

---

## Exhibit 99.4

---

| |
|:---|
| **Data Compare** |
| **Run Date - 02/07/2023 1:33:31 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | Amortization Type | ARM | Fixed | Verified |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | Amortization Type | ARM | Fixed | Verified |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full | Alternative Doc | Verified |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full | Debt Service Coverage |  |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Alternative Doc | Verified |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.590 | 0.610 | Verified |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.630 | 0.650 | Verified |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.390 | 0.910 | Verified |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.850 | 0.880 | Verified |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 0.570 | 1.010 | Verified |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Purchase | Primary | Verified |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXXXXXX | Verified |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX |  |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX |  |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | Property City |  | Woodland | Verified |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | Property City | Los Angeles | Whittier | Verified |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | Property Type | Single Family | Two Family | Verified |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 17.10000 | 0.17102 | Verified |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 21.94000 | 0.21944 | Verified |

---

## Exhibit 99.4

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 02/07/2023 1:33:31 PM** |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  | 09/15/2021 | 0.00% | Unemployed |  | US Citizen |  | No |  |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | $11610.00 | 09/20/2021 | 3.947% | Self-Employed |  | US Citizen |  | No |  |
| 500_485 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Employed |  | Non Permanent Resident Alien |  | No |  |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  | No |  |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  | 0.00% | Not Required |  | US Citizen |  | No |  |
| 500_494 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | $8900.00 | 02/09/2022 | 4.873% | Self-Employed | Unemployed | US Citizen | US Citizen | Yes | $15339.34 |

---

## Exhibit 99.4

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 02/07/2023 1:33:31 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** |
| 500_484 | XXXXXXXXXX | XXXXXXXXXX | AAA Capital Investment, Inc. | AAA Capital Investment Inc |  | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $5500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 5500 | 0.61 | 0.61 | $8966.12 |  |  |  | Yes | $0.00 | Yes | NO | XXXXXXXXXX | $2050.93 | $135.27 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 9 | 0.7 | US Citizen |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Unemployed |  | 20210822 | XXXXXXXXXX | XXXXXXXXXX | 1 | 2021 | XXXX | 5 | 4.1 | C1 | XXXXXXXXXX | $0.00 |  |  |  |  |  |  |  |
| 500_483 | XXXXXXXXXX | XXXXXXXXXX |  | AAA Capital Investment Inc |  | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 4500 | 0.65 | 0.65 | $6905.01 |  |  |  | Yes | $54000.00 |  | YES | XXXXXXXXXX | $1468.75 | $70.00 | Stated, Verified | NO |  | 2 |  | Yes | No | Inexperienced | 15 | 10 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXX | Individual | Individual | XXXXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20210830 | XXXXXXXXXX | XXXXXXXXXX | 1 | 1989 | XXXX | 4 | 3 | C2 | XXXXXXXXXX | $0.00 |  |  |  |  |  |  |  |
| 500_493 | XXXXXXXXXX | XXXXXXXXXX |  | AAA Capital Investment Inc |  | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $1750.00 | $2700.00 | FNMA 1007/216 | Leases | No |  |  | 1750 | 0.91 | 0.91 | $1929.64 | 20221001 | 24 | No | Yes | $0.00 | Yes | NO | XXXXXXXXXX | $246.64 | $37.75 | Stated, Verified | NO |  | 1 |  | No | No | Experienced | 79 | 20 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Individual | Individual | XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220127 | XXXXXXXXXX | XXXXXXXXXX | 1 | 1996 | XXXX | 4 | 2.1 | C3 | XXXXXXXXXX | $0.00 |  |  |  |  |  |  |  |
| 500_492 | XXXXXXXXXX | XXXXXXXXXX |  | AAA Capital Investment Inc |  | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | Yes | $3000.00 | $2900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 2900 | 0.88 | 0.88 | $3281.43 | 20230201 | 12 | No | Yes | $0.00 | Yes | NO | XXXXXXXXXX | $538.07 | $58.92 | Stated, Verified | NO |  | 1 |  | No | No | Experienced | 138 | 2 | Permanent Resident Alien |  | 778 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220131 | XXXXXXXXXX | XXXXXXXXXX | 1 | 2003 | XXXX | 3 | 2.1 | C3 | XXXXXXXXXX | $0.00 |  |  |  |  |  |  |  |
| 500_495 | XXXXXXXXXX | XXXXXXXXXX |  | AAA Capital Investment Inc |  | DSCR- Investor NOO | XXXXXXXXXX | Debt Service Coverage | Yes | No | $0.00 | $4550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  |  | 4550 | 1.01 | 1.01 | $4502.25 |  |  |  | No |  |  | NO | XXXXXXXXXX | $749.97 | $196.00 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 22 | 18 | US Citizen |  | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Individual | Individual | XXXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220203 | XXXXXXXXXX | XXXXXXXXXX | 2 | 1956 | XXXX | 5 | 3 | C4 | XXXXXXXXXX | $0.00 |  |  |  |  |  |  |  |

---

## Exhibit 99.5

![](n3137_x3-img003.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans acquired by Loan Funding Structure III LLC (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

The mortgage loan review sample was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit and Compliance Review": 32 mortgage loans

■ "Data Integrity Review": 32 mortgage loans

■ "Valuation Review": 32 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

**(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 file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

**<u>CREDIT AND COMPLIANCE SCOPE (32 Mortgage Loans)</u>**

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

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

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

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible,

1 \| P a g e

![](n3137_x3-img003.jpg)

wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

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

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

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

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

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

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

**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.

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. 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 note that investment properties were excluded from TRID testing.

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

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):</u> 

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

&nbsp;&nbsp;&nbsp;&nbsp;e) <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.

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

&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

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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;g) <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;h) <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;i) <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;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&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 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 any written estimate of terms or costs provided prior to receipt of a LE contained the required
disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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 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 Industry Group ("SFIG") 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 SFIG Compliance Review Scope.)

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, 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

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focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate. In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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

**Data Integrity Review (32 Mortgage Loans):** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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

**(9) Disclaimer**

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

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![](n3137_x3-img003.jpg)

Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**COMPLIANCE RESULTS SUMMARY**

Of the 32 mortgage loans under the Fitch rating criteria, 9 (28.13%) mortgage loans received an "A" compliance grade and 23 (71.88%) and mortgage loans received a "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;28.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;71.88% |
| &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;**32** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 19 (59.38%) of the mortgage loans received an "A" credit grade and 13 (40.63%) of the mortgage loans received a "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;59.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;40.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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![](n3137_x3-img003.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 31 (96.88%) of the mortgage loans received an "A" property grade and 1 (3.13%) of the mortgage loans received a "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.13% |
| &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;**32** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, under the Fitch ratings criteria, 100% of the loans by number in the pool possessed a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;18.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;81.25% |
| &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;**32** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION SUMMARY (32 Mortgage Loans)**

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. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***90*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**90** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**108** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY (32 Mortgage Loans)**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;31 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;31 | &nbsp;&nbsp;6.45% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;31 | &nbsp;&nbsp;77.42% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |

---

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![](n3137_x3-img003.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;3 | &nbsp;&nbsp;31 | &nbsp;&nbsp;9.68% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;6 | &nbsp;&nbsp;31 | &nbsp;&nbsp;19.35% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;9 | &nbsp;&nbsp;31 | &nbsp;&nbsp;29.03% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**53** | &nbsp;&nbsp;**736** | &nbsp;&nbsp;**7.20%** | &nbsp;&nbsp;**32** |

---

In total, data variances were found on 25 (78.13%) mortgage loans reviewed across 12 unique data field in the sample. Please note that not all data fields would have been available for all loans.

**ADDITIONAL SUMMARY (32 Mortgage Loans)** 

*Some % of Loans may not add to 100% due to rounding*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;23 | &nbsp;&nbsp;71.88% | &nbsp;&nbsp;$10714387.00 | &nbsp;&nbsp;63.36% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;9 | &nbsp;&nbsp;28.13% | &nbsp;&nbsp;$6196800.00 | &nbsp;&nbsp;36.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16911187.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$16911187.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16911187.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;15.63% | &nbsp;&nbsp;$1222660.00 | &nbsp;&nbsp;7.23% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$14552727.00 | &nbsp;&nbsp;86.05% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.38% | &nbsp;&nbsp;$1135800.00 | &nbsp;&nbsp;6.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16911187.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$16911187.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16911187.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;14 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;$7698850.00 | &nbsp;&nbsp;45.53% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;21.88% | &nbsp;&nbsp;$1184910.00 | &nbsp;&nbsp;7.01% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.38% | &nbsp;&nbsp;$934900.00 | &nbsp;&nbsp;5.53% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;5 | &nbsp;&nbsp;15.63% | &nbsp;&nbsp;$4758452.00 | &nbsp;&nbsp;28.14% |

---

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![](n3137_x3-img003.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$399075.00 | &nbsp;&nbsp;2.36% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;$1935000.00 | &nbsp;&nbsp;11.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16911187.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;22 | &nbsp;&nbsp;68.75% | &nbsp;&nbsp;$14775212.00 | &nbsp;&nbsp;87.37% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.38% | &nbsp;&nbsp;$511075.00 | &nbsp;&nbsp;3.02% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;21.88% | &nbsp;&nbsp;$1624900.00 | &nbsp;&nbsp;9.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16911187.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.5

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Loan Level Exception - Disposition** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Redacted ID** | **Servicer Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | XXXX | 500_532 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender approved exception to allow DTI of XX% vs program maximum of XX% for XX% LTV | REVIEWER - WAIVED COMMENT (2019-03-01): (Redacted) has elected to waive this exception based on compensating factors. | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXXXXX)<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception cannot be compensated to a lower grade.)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Courier / Express Mail / Messenger Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7519) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: The file contained documentation verifying the borrower received a copy of the appraisal on XX/XX/XXXX which is prior to the revised appraisal date of XX/XX/XXXX.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: DTI of XX% vs program maximum of XX% for XX% LTV<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Cure for variousXX% and XX% tolerance violations was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. | BUYER - WAIVED COMMENT (2019-03-01): Please waive<br> BUYER - WAIVED COMMENT (2019-03-01): (Redacted) has elected to waive this exception with compensating factors.<br> REVIEWER - GENERAL COMMENT (2019-03-01): Based on Compensating factors provided by the aggregator, including not considering the bonus income in the DTI, and the residual income of $xx,xxx.xx, teh exception was regraded to eVx and the loan is considered to be Non-QM,<br> REVIEWER - GENERAL COMMENT (2019-03-01): DTI Exception cannot be compensated to a lower grade.,Exception remains.<br> BUYER - WAIVED COMMENT (2019-03-01): Please waive<br> REVIEWER - CURED COMMENT (2019-03-01): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br> BUYER - GENERAL COMMENT (2019-03-01): PCCD,LOX,Check,Label<br> BUYER - GENERAL COMMENT (2019-03-01): PCCD,LOX,Check<br> BUYER - GENERAL COMMENT (2019-03-01): PCCD,LOX<br> BUYER - GENERAL COMMENT (2019-03-01): PCCD | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | XX months reserves > X months guideline minimum<br>XXX representative FICO score > 720 guideline minimum<br>Borrower has been in the same line of work (xxxxxl) for the past xx years. Co-borrower has been in the same line of work (xxxxx) for the past xx years<br>Perfect credit histories for both borrowers with never a late payment and no public records going back to earliest account inception date of XX/XX/XXXX. |  | - B A |
| XXXX | XXXX | XXXX | 500_584 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. (FinXX/XX/XXXXXXX) | Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows $XXXX in seller paid closing costs, borrower's final CD shows $XXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  | Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_563 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  | XX months reserves, guideline minimum is X months.<br>XX% DTI on this full documentation loan < XX% guideline max - XX% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX Minimum required is $XXXX. |  | - A |
| XXXX | XXXX | XXXX | 500_560 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | 500_571 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender used their CGW to approve this exception. | REVIEWER - WAIVED COMMENT (2019-07-08): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $480.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Lender used their CGW to approve this exception.<br> Federal Compliance - TRID Seller Closing Disclosure: The Seller's Disclosure is missing | REVIEWER - WAIVED COMMENT (2019-07-08): Client elects to waive. | Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | XX months Housing Payment History; guidelines require XX months.<br>Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX. |  | - B A |
| XXXX | XXXX | XXXX | 500_575 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Fee Terminology: TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on XX/XX/XXXX did not use the same fee terminology as the Loan Estimate. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX did not disclose number of months for homeowner's insurance under Prepaids. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $93.89 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7580)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7579) | Federal Compliance - TRID Final Closing Disclosure Fee Terminology: LE's show fee as Survey fee but was changed to Title - Lender Required Survey Fee on CD's.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: No exception. The lender cured the Homeowner's Insurance to XX months on the Post-Close Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Cure of $XX was reflected on the Post-Close Disclosure, which is insufficient to cure $XX.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure appears on Post-Close Disclosure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure appears on Post-Close Disclosure. | REVIEWER - CURED COMMENT (2019-06-26): Lender provided LOE and corrected CD.<br> REVIEWER - CURED COMMENT (2019-06-26): Lender provided LOE, corrected CD, copy of refund check, and proof of delivery.<br> REVIEWER - CURED COMMENT (2019-06-26): Lender provided LOE, corrected CD, copy of refund check, and proof of delivery.<br> REVIEWER - CURED COMMENT (2019-06-26): Lender provided LOE, corrected CD, copy of refund check, and proof of delivery. | Federal Compliance - TRID Final Closing Disclosure Fee Terminology: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_581 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | 500_567 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | XX months reserves are < XX months program required reserves. | REVIEWER - WAIVED COMMENT (2019-07-10): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | Borrower on this full documentation loan has a residual income of $XXXX, guideline required residual income is $XXXX |  | - B A |
| XXXX | XXXX | XXXX | 500_558 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | Federal Compliance - TRID Final Closing Disclosure Closing Date: The final Closing Disclosure reflects a Closing Date of XX/XX/XXXX but the transaction consummation mortgage notary date was XX/XX/XXXX. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, however a lender credit in the amount of $750.00 was provided at closing | REVIEWER - CURED COMMENT (2019-06-26): Lender provided $750.00 credit at closing for increase in Closing Costs above legal limit. | Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | The loan file is missing evidence the Borrower completed a pre-purchase Homebuyer education and counseling class, as required by guidelines for First Time Homebuyers living rent-free.<br> Lender exception in file approving DTI in excess of XX% guideline for First-time Homebuyers. | REVIEWER - WAIVED COMMENT (2019-08-19): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2019-07-09): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,692.92 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/871507)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual toatal payment for the loan. (ProjSeq:1/871507) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Lender sent letter to change loan designation to Non-QM.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: DTI of XX% exceeds DTI requirement by XX% and was approved by the lender. Exception approval in file.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Property Taxes are $XXXX per year. The loan file contains a post-close CD correcting the Escrow Account section, a $XXXX check and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Test: No exception. The final CD incorrected disclosed the Amount of Escrowed Property Costs; however the loan file contains a post-close CD correcting the Escrow Account section, a copy of the letter of explanation letter sent to the borrower disclosing the changes made, a copy of the cure check and evidence of delivery.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test: No exception. The final CD incorrected disclosed the Amount of Escrowed Property Costs; however the loan file contains a post-close CD correcting the Escrow Account section, a copy of the letter of explanation letter sent to the borrower disclosing the changes made, a copy of the cure check and evidence of delivery. | REVIEWER - WAIVED COMMENT (2019-07-09): Client elects to waive.<br> REVIEWER - CURED COMMENT (2019-07-09): Lender provided LOE and corrected CD.<br> REVIEWER - CURED COMMENT (2019-07-09): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD.<br> REVIEWER - CURED COMMENT (2019-07-09): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | XX months reserves > XX months guideline minimum - borrower has verified reserves of $XXXX.<br>Borrower made a down payment of $XXXX from their own funds on this purchase transaction.<br>Borrower on this full documentation loan has residual income of $XXXX. Minimum $600.00 required. |  | - B A |
| XXXX | XXXX | XXXX | 500_564 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Lender exception in file for reserves not meeting guidelines. | REVIEWER - WAIVED COMMENT (2019-07-02): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: Loan designation from lender is Non QM. |  |  | Borrower on this full documentation loan has residual income of $XXXX; guidelines require $XXXX. |  | - B A |
| XXXX | XXXX | XXXX | 500_578 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence provided when the updated report was provided to the borrower.<br> Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: Title - Courier Fee and Title - Digital Archive Fee are shown in Section B, however, the providers are not listed on the SSPL. These fees should have been in Section C. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_576 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller Change - Seller Credit: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether there was a change in the Seller Credit. (FinXX/XX/XXXXXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $74.00 exceeds tolerance of $60.00 plus XX% or $6XX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Assumption: The Note allows for assumption and the CD incorrectly said it is not allowed.<br> Federal Compliance - TRID Final Closing Disclosure With Seller Change - Seller Credit: Closing Disclosure reflects change from -$6,500.00 to $0.00, however Did this Change is answered No. This violation is not curable.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Lender provided $8.00 credit at closing for increase in Closing Costs above legal limit. |  | Federal Compliance - TRID Final Closing Disclosure Assumption: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller Change - Seller Credit: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_561 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Higher Priced QM | 2 | 2 | [2] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX | REVIEWER - GENERAL COMMENT (2019-07-17): Lender provided same policy that we have in file. Need proof of additional replacement cost or replacement cost estimate that supports the dwelling coverage. Exception remains.<br> REVIEWER - GENERAL COMMENT (2019-07-18): Lender sent replacement cost estimate which shows cost as [Redact] Coverage is only [Redact] Still short [Redact] Exception remains.<br> REVIEWER - GENERAL COMMENT (2019-07-18): Need proof of the dollar amount oXX% of extended replacement cost coverage. The other structures is not included. Exception remains.<br> REVIEWER - WAIVED COMMENT (2019-08-15): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (FinXX/XX/XXXXXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,937.65 exceeds tolerance of $1,931.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: The file was missing a copy of the Initial Escrow Account Statement.<br> Federal Compliance - TRID Final Closing Disclosure Assumption: The final CD reflects the loan is not assumable.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed incorrect amount. Provide a post-close CD disclosing the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Assumption: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | XX% DTI on this (Documentation Type) documentation loan < XX% guideline max - XX% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX |  | - B A |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXXXXX)<br> [2] Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements.<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX./S-Corp)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lien Search. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $161.65 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $132.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (7726)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence in file when borrower received updated appraisal report.<br> Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: The lender indicated the loan as Non-QM.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: The file is missing the 2018 personal tax returns and 2018 business returns. Evidence of extension provided in file for 2018. The file contained a copy of the 2016 and 2017 1040's and business returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: The file is missing the 2018 personal tax returns and 2018 business returns. Evidence of extension provided in file for 2018. The file contained a copy of the 2016 and 2017 1040's and business returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: The file is missing the 2018 personal tax returns and 2018 business returns. Evidence of extension provided in file for 2018. The file contained a copy of the 2016 and 2017 1040's and business returns.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The lender provided a credit in the amount of $61.65 for closing costs that exceeded tolerance.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Lender provided a credit in the amount of $61.65 for closing costs that exceeded tolerance.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery. | REVIEWER - CURED COMMENT (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to [Redact] review<br> REVIEWER - CURED COMMENT (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to [Redact] review<br> REVIEWER - CURED COMMENT (2019-07-17): Lender provided a credit in the amount of $61.65 for closing costs that exceeded tolerance.<br> REVIEWER - CURED COMMENT (2019-07-17): Lender provided a credit in the amount of $61.65 for closing costs that exceeded tolerance.<br> REVIEWER - CURED COMMENT (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to [Redact] review<br> REVIEWER - CURED COMMENT (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to [Redact] review | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_579 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Lender provided $150.00 credit at closing for increase in Closing Costs above legal limit. |  |  | Borrower on this full documentation loan has a disposable income of $XXX<br>Borrowers made a down payment of $XXX from their own funds on this purchase transaction. |  | - A |
| XXXX | XXXX | XXXX | 500_562 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM | 2 | 2 | [2] Document Error - There is no dollar amount noted on the title policy. | Provide final title policy showing correct amount of coverage |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $93.89 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $10.65 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee (Life Of Loan) fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Flood Certification (Life Of Loan) fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: MERS Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | REVIEWER - CURED COMMENT (2019-07-15): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD.<br> REVIEWER - CURED COMMENT (2019-07-15): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD.<br> REVIEWER - CURED COMMENT (2019-07-15): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B A |
| XXXX | XXXX | XXXX | 500_573 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXXXXX)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence Borrower was provided a copy of the appraisal at least 3 business days prior to closing is missing.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations was not provided within 3 business days of application-list provided on XX/XX/XXXX with application date of XX/XX/XXXX. |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_572 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender used their CGW to approve this exception. | REVIEWER - WAIVED COMMENT (2019-07-31): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX) | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Lender used their CGW to approve this exception.<br> Federal Compliance - TRID Seller Closing Disclosure: The file is missing a copy of the Seller Closing Disclosure. | REVIEWER - WAIVED COMMENT (2019-07-31): Client elects to waive. | Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | XX% LTV < XX% guideline max - $XXXX more equity than required by program guidelines<br>XX months reserves > X months guideline minimum - borrowers have verified reserves of $XXXX.<br>Borrower on this full documentation loan has a disposable income of $XXXX. Minimum $XXXX required. |  | - B A |
| XXXX | XXXX | XXXX | 500_583 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | 500_568 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing DisclosureXX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX) | Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: Evidence of earlier borrower receipt was not found in file.<br> Federal Compliance - TRID Seller Closing Disclosure: Seller's final CD was not located on file. |  | Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_559 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX.<br> [2] Public Records - Public Records/Collections/Charge Off does not meet guidelines.: Credit Report: Original // Public Record Type: Foreclosure / Balance: XX | Total assets verified, $XXXX minus cash from borrower of $XXXX = $XXXX reserves or XX months.<br> F/C does not meet the required 2 years from application. F/C was on XX/XX/XXXX and application is XX/XX/XXXX. Lender used their CGW to approve this exception. | REVIEWER - GENERAL COMMENT (2019-08-26): The cash to close amount is [Redact] (Deposit = 2 x [Redact] = [Redact] POC appraisal [Redact] (no evidence this cleared any account prior to balances used), and Cash to Close from the final CD of [Redact]). The deposits cleared their account before the balance amount. This leaves [Redact] Review agrees with the balances indicated by lender (last comments) except for the balance of [Redact]. The lender is using the starting balance of [Redact] on [Redact] while review is using the ending balance on [Redact] of [Redact]. This issue remains open.<br> REVIEWER - WAIVED COMMENT (2019-08-28): Client elects to waive.<br> REVIEWER - WAIVED COMMENT (2019-08-07): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | XX% DTI on this full documentation loan < 50 guideline max - XX% below program guideline maximum<br>XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of $XXXX. Minimum $XXXX required.<br>Housing history of 120 months provided > XX months required. |  | - B A |
| XXXX | XXXX | XXXX | 500_566 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Lender requested the loan designation be changed to Non-QM. |  | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | XX months reserves > X months guideline minimum - borrowers have verified reserves of $XXXX<br>XX% DTI on this full documentation loan < XX% guideline max - 5.XX% below program guideline maximum<br>XX% LTV, borrower qualifies to XX% LTV.<br>XXX representative FICO score > 680 guideline minimum - XX points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of $XX. Minimum required is $XX |  | - A B |
| XXXX | XXXX | XXXX | 500_557 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender used their CGW to approve this exception. | REVIEWER - WAIVED COMMENT (2019-07-18): Client elects to waive. | 2 | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | The appraisal was not in the name of the lender. Provide a revised appraisal correcting the client. |  | 2 | [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX/$. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing Disclosure XX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX) | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Lender used their CGW to approve this exception.<br> Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: Evidence of earlier borrower receipt was not found in file.<br> Federal Compliance - TRID Seller Closing Disclosure: Seller CD was not provided. | REVIEWER - WAIVED COMMENT (2019-07-18): Client elects to waive. | Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Seller Closing Disclosure: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | XX months reserves > X months guideline minimum - borrowers have verified reserves of$XXXX<br>Borrower on this full documentation loan has a disposable income of $XXXX> guideline of $XXXX. |  | - B |
| XXXX | XXXX | XXXX | 500_580 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXXXXX)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues are $5,85XX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Note: the lender qualified the borrower with HOA dues of $XXX per month; however the appraisal verified HOA dues of $XXX per month.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: The cure amount disclosed is 150.00 | REVIEWER - CURED COMMENT (2019-08-02): Letter of Explanation & Corrected Closing Disclosure provided | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_565 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception in file approving use of XXXX income statements in lieu of a standard lease agreement for the Borrower's Investment Property. | REVIEWER - WAIVED COMMENT (2019-08-07): Client elects to waive. | 1 |  |  |  | 1 |  |  |  |  | XX% DTI on this full documentation loan < XX% guideline max - XX% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX.<br>Monthly housing payment was reduced by XX% |  | - B A |
| XXXX | XXXX | XXXX | 500_569 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Acknowledgement of Receipt of Home Mortgage Loan is missing.<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Disclosure provided on XX/XX/XXXX and initial application date is XX/XX/XXXX. |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_577 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception:<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.<br> [2] Document Error - There is no dollar amount noted on the title policy. | Lender Exception in file allowing for the exclusion of 2016 expenses on the 2016/2017 taxes as they will not continue in 2018 and loan is already Non QM.<br> Lender exception in file approving DTI to XX%.<br> The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | REVIEWER - WAIVED COMMENT (2019-07-26): Lender exception provided in the file<br> REVIEWER - WAIVED COMMENT (2019-07-26): Lender exception provided in the file | 1 |  |  |  | 2 | [2] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $150.00 plus XX% or $165.00. Sufficient or excess cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $5XX exceeds tolerance of $30.00. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Lender approval of XX% DTI Exception in file.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: Recording Fee last disclosed as $150.00 on LE but disclosed as $425.00 on Final Closing Disclosure.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided: PCCD, LOE, CHECK and POD provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No exception. Lender provided a cure on the Borrowers' final CD.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No exception. Lender provided a cure on the Borrowers' final CD. | REVIEWER - WAIVED COMMENT (2019-07-26): Lender exception provided in the file<br> REVIEWER - CURED COMMENT (2019-08-08): Letter of Explanation & Corrected Closing Disclosure provided.<br> REVIEWER - CURED COMMENT (2019-08-08): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided.<br> REVIEWER - CURED COMMENT (2019-07-26): Cure provided on the final CD<br> REVIEWER - CURED COMMENT (2019-07-26): Cure provided on the final CD | Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | XX months reserves > X months guideline minimum.<br>Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX. |  | - B A |
| XXXX | XXXX | XXXX | 500_585 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements.<br> [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75106) | Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: Lender designation is Non-QM.<br> Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: Title - Lien Search was shown in Section B but the provider is not listed on the SSPL.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: AMC received PCCD indicating principal reduction, LOE, and Payment History indicating cure reduction. Exception Cured. | REVIEWER - CURED COMMENT (2019-09-04): [Redact] received PCCD indicating principal reduction, LOE, and Payment History indicating cure reduction. Exception Cured. | Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - A B |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender approved exception for property over XX acres actual acreage is XX. | REVIEWER - WAIVED COMMENT (2019-08-26): Client elects to waive. | 1 |  |  |  | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXXXXX)<br> [2] State Compliance - (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of XX% or Final Disclosure APR of XX% is in excess of allowable threshold of APOR XX% + 1XX%, or XX%. Compliant Higher Priced Loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXXXXX)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $67.00 exceeds tolerance of $50.00 plus XX% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Lender sent letter to change to non-qm.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence in file reflects the final 1004 was provided to the Borrower at closing.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: The loan file is missing the Initial Escrow Disclosure.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2018 Filing Extensions present in file for both Business and Personal returns.<br> Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): This was a same lender refinance and an H-9 Right to Cancel Form should have been used.<br> Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: The final CD disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $3,854.00; however $2,248.15 was collected in section F for XX months. The amount collected in section F was equal to 7 months. Since a whole number is required to be disclosed, provide a post-close CD disclosing the full 12 month premium including $1,605.85 paid by the borrower before closing and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Excess cure provided to borrower. | REVIEWER - GENERAL COMMENT (2019-09-11): Updated from: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redact], Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. ([Redact]/Partnership) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | XX% DTI on this full documentation loan < XX% guideline max - XX% below program guideline maximum<br>Borrower has residual income of$XXXX; guidelines require$XXXX. |  | - B A |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | $XXXX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 1 |  |  |  | 1 |  |  |  | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $16,279.80 exceeds tolerance of $15,914.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension for the personal and business returns provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided.<br> Federal Compliance - Self-Employed Tax Return Recency: 2017 is the last filed year. 2018 extension was provided. |  |  |  |  | - A B |

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## Exhibit 99.5

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| ![](situsamc_logo.jpg) |
| **Exception Grades** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Redacted ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | 500_532 |  | XXXX | 1019096488-6542 | XX/XX/XXXX 3:12:58 PM | 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 Courier / Express Mail / Messenger Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7519) | Fee was not disclosed on Loan Estimate. |  |  |  | Reviewer Comment (2019-03-01): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br>Buyer Comment (2019-03-01): PCCD,LOX,Check,Label<br>Buyer Comment (2019-03-01): PCCD,LOX,Check<br>Buyer Comment (2019-03-01): PCCD,LOX<br>Buyer Comment (2019-03-01): PCCD |  | XX/XX/XXXX 9:57:30 AM |  | 2 B | XX/XX/XXXX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_532 |  | XXXX | 1019096488-4826 | XX/XX/XXXX 3:12:58 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX) | Cure for variousXX% and XX% tolerance violations was not provided. |  |  |  | Buyer Comment (2019-03-01): Please waive |  |  | XX/XX/XXXX 12:11:13 PM | 2 B | XX/XX/XXXX | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_532 |  | XXXX | 1019096488-3495 | XX/XX/XXXX 3:12:58 PM | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXXXXX) | The file contained documentation verifying the borrower received a copy of the appraisal on XX/XX/XXXX which is prior to the revised appraisal date of XX/XX/XXXX. |  |  |  | Buyer Comment (2019-03-01): Please waive |  |  | XX/XX/XXXX 12:44:21 PM | 2 B | XX/XX/XXXX | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_532 |  | XXXX | 1019096488-25035 | XX/XX/XXXX 3:12:58 PM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception cannot be compensated to a lower grade.) | DTI of XX% vs program maximum of XX% for XX% LTV |  |  |  | Buyer Comment (2019-03-01): Sprout has elected to waive this exception with compensating factors.<br>Reviewer Comment (2019-03-01): Based on Compensating factors provided by the aggregator, including not considering the bonus income in the DTI, and the residual income of $13,778.42, teh exception was regraded to eV2 and the loan is considered to be Non-QM,<br>Reviewer Comment (2019-03-01): DTI Exception cannot be compensated to a lower grade.,Exception remains. |  |  | XX/XX/XXXX 3:02:54 PM | 2 B | XX/XX/XXXX | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_532 |  | XXXX | 1019096488-5366 | XX/XX/XXXX 3:12:58 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender approved exception to allow DTI of XX% vs program maximum of XX% for XX% LTV | Perfect credit histories for both borrowers with never a late payment and no public records going back to earliest account inception date of XX/XXXX.<br>Borrower has been in the same line of work (XXX) for the past XXyears. Co-borrower has been in the same line of work (XXXl) for the past XX years<br>XX months reserves > X months guideline minimum<br>XXX representative FICO score > 720 guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-03-01): XXXX has elected to waive this exception based on compensating factors. |  |  | XX/XX/XXXX 2:02:41 PM | 2 B | XX/XX/XXXX | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_584 |  | XXXX | 9795387548-4369 | XX/XX/XXXX 8:42:09 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. (FinXX/XX/XXXXXXX) | TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows $XXXX in seller paid closing costs, borrower's final CD shows $XXXX. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_571 |  | XXXX | 9XXX470293-6583 | XX/XX/XXXX 11:53:07 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $480.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  |  |  | XX/XX/XXXX 11:19:57 AM |  | 1 A | XX/XX/XXXX | FL | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_571 |  | XXXX | 9XXX470293-6411 | XX/XX/XXXX 11:53:07 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX) | The Seller's Disclosure is missing |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_571 |  | XXXX | 9XXX470293-25034 | XX/XX/XXXX 11:53:07 AM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used their CGW to approve this exception. | XX months Housing Payment History; guidelines require XX months.<br>Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-08): Client elects to waive. |  |  | XX/XX/XXXX 11:28:06 AM | 2 B | XX/XX/XXXX | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_571 |  | XXXX | 9XXX470293-5366 | XX/XX/XXXX 11:53:07 AM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender used their CGW to approve this exception. | XX months Housing Payment History; guidelines require XX months.<br>Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-08): Client elects to waive. |  |  | XX/XX/XXXX 11:27:41 AM | 2 B | XX/XX/XXXX | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_575 |  | XXXX | 9757785879-4613 | XX/XX/XXXX 1:16:48 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX did not disclose number of months for homeowner's insurance under Prepaids. (FinXX/XX/XXXXXXX) | No exception. The lender cured the Homeowner's Insurance to XX months on the Post-Close Disclosure. |  |  |  | Reviewer Comment (2019-06-26): Lender provided LOE and corrected CD. |  | XX/XX/XXXX 12:59:28 PM |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_575 |  | XXXX | 9757785879-4850 | XX/XX/XXXX 1:16:48 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX) | Cure of $XX was reflected on the Post-Close Disclosure, which is insufficient to cure $XX. |  |  |  | Reviewer Comment (2019-06-26): Lender provided LOE, corrected CD, copy of refund check, and proof of delivery. |  | XX/XX/XXXX 1:11:05 PM |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_575 |  | XXXX | 9757785879-18823 | XX/XX/XXXX 1:16:48 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Fee Terminology | TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on XX/XX/XXXX did not use the same fee terminology as the Loan Estimate. (FinXX/XX/XXXXXXX) | LE's show fee as Survey fee but was changed to Title - Lender Required Survey Fee on CD's. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_575 |  | XXXX | 9757785879-6545 | XX/XX/XXXX 1:16:48 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7579) | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure appears on Post-Close Disclosure. |  |  |  | Reviewer Comment (2019-06-26): Lender provided LOE, corrected CD, copy of refund check, and proof of delivery. |  | XX/XX/XXXX 1:10:35 PM |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_575 |  | XXXX | 9757785879-6545 | XX/XX/XXXX 1:16:48 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $93.89 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7580) | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure appears on Post-Close Disclosure. |  |  |  | Reviewer Comment (2019-06-26): Lender provided LOE, corrected CD, copy of refund check, and proof of delivery. |  | XX/XX/XXXX 1:10:15 PM |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_567 |  | XXXX | 9740816930-4264 | XX/XX/XXXX 11:03:14 AM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | XX months reserves are < XX months program required reserves. | Borrower on this full documentation loan has a residual income of $XXXX, guideline required residual income is $XXXX |  | Originator Pre-Close | Reviewer Comment (2019-07-10): Client elects to waive. |  |  | XX/XX/XXXX 10:50:20 AM | 2 B | XX/XX/XXXX | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_558 |  | XXXX | 9711588906-4371 | XX/XX/XXXX 4:38:05 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXXXXX) | The final Closing Disclosure reflects a Closing Date of XX/XX/XXXX but the transaction consummation mortgage notary date was XX/XX/XXXX. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_558 |  | XXXX | 9711588906-6542 | XX/XX/XXXX 4:38:05 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, however a lender credit in the amount of $750.00 was provided at closing |  |  |  | Reviewer Comment (2019-06-26): Lender provided $750.00 credit at closing for increase in Closing Costs above legal limit. |  | XX/XX/XXXX 4:30:31 PM |  | 2 B | XX/XX/XXXX | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | 9752366774-3831 | XX/XX/XXXX 11:11:01 AM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing evidence the Borrower completed a pre-purchase Homebuyer education and counseling class, as required by guidelines for First Time Homebuyers living rent-free. | Borrower on this full documentation loan has residual income of $XXXX. Minimum $600.00 required.<br>XX months reserves > XX months guideline minimum - borrower has verified reserves of $XXXX.<br>Borrower made a down payment of $XXXX from their own funds on this purchase transaction. |  | Originator Pre-Close<br>Originator Pre-Close<br>SitusAMC | Reviewer Comment (2019-08-19): Client elects to waive. |  |  | XX/XX/XXXX 4:25:12 PM | 2 B | XX/XX/XXXX | PA | Primary | Purchase | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | 9752366774-5366 | XX/XX/XXXX 11:11:01 AM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender exception in file approving DTI in excess of XX% guideline for First-time Homebuyers. | Borrower on this full documentation loan has residual income of $XXXX. Minimum $600.00 required.<br>XX months reserves > XX months guideline minimum - borrower has verified reserves of $XXXX. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-09): Client elects to waive. |  |  | XX/XX/XXXX 10:33:31 AM | 2 B | XX/XX/XXXX | PA | Primary | Purchase | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | 9752366774-26263 | XX/XX/XXXX 11:11:01 AM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,692.92 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXXXXX) | The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Property Taxes are $XXXX per year. The loan file contains a post-close CD correcting the Escrow Account section, a $XXXX check and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2019-07-09): Lender provided LOE and corrected CD. |  | XX/XX/XXXX 10:46:46 AM |  | 2 B | XX/XX/XXXX | PA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | 9752366774-26264 | XX/XX/XXXX 11:11:01 AM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/871507) | No exception. The final CD incorrected disclosed the Amount of Escrowed Property Costs; however the loan file contains a post-close CD correcting the Escrow Account section, a copy of the letter of explanation letter sent to the borrower disclosing the changes made, a copy of the cure check and evidence of delivery. |  |  |  | Reviewer Comment (2019-07-09): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 10:52:40 AM |  | 2 B | XX/XX/XXXX | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | 9752366774-26265 | XX/XX/XXXX 11:11:01 AM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual toatal payment for the loan. (ProjSeq:1/871507) | No exception. The final CD incorrected disclosed the Amount of Escrowed Property Costs; however the loan file contains a post-close CD correcting the Escrow Account section, a copy of the letter of explanation letter sent to the borrower disclosing the changes made, a copy of the cure check and evidence of delivery. |  |  |  | Reviewer Comment (2019-07-09): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 10:53:13 AM |  | 2 B | XX/XX/XXXX | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | 9752366774-25034 | XX/XX/XXXX 11:11:01 AM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI of XX% exceeds DTI requirement by XX% and was approved by the lender. Exception approval in file. | Borrower on this full documentation loan has residual income of $XXXX. Minimum $600.00 required.<br>XX months reserves > XX months guideline minimum - borrower has verified reserves of $XXXX. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-09): Client elects to waive. |  |  | XX/XX/XXXX 10:32:30 AM | 2 B | XX/XX/XXXX | PA | Primary | Purchase | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_574 |  | XXXX | 9752366774-22655 | XX/XX/XXXX 8:39:54 AM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Lender sent letter to change loan designation to Non-QM. |  |  |  |  |  |  |  | 2 A B | XX/XX/XXXX | PA | Primary | Purchase | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_564 |  | XXXX | 972XXX3606-4264 | XX/XX/XXXX 12:59:41 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Lender exception in file for reserves not meeting guidelines. | Borrower on this full documentation loan has residual income of $XXXX; guidelines require $XXXX. |  | Originator Pre-Close | Reviewer Comment (2019-07-02): Client elects to waive. |  |  | XX/XX/XXXX 12:52:29 PM | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_564 |  | XXXX | 972XXX3606-3868 | XX/XX/XXXX 12:59:41 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Loan designation from lender is Non QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_578 |  | XXXX | 9763419786-4957 | XX/XX/XXXX 8:51:13 AM | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | Title - Courier Fee and Title - Digital Archive Fee are shown in Section B, however, the providers are not listed on the SSPL. These fees should have been in Section C. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Second Home | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_578 |  | XXXX | 9763419786-4436 | XX/XX/XXXX 8:51:13 AM | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXXXXX) | No evidence provided when the updated report was provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_576 |  | XXXX | 9760941618-4357 | XX/XX/XXXX 11:55:25 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (FinXX/XX/XXXXXXX) | The Note allows for assumption and the CD incorrectly said it is not allowed. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_576 |  | XXXX | 9760941618-4828 | XX/XX/XXXX 11:55:25 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller Change - Seller Credit | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether there was a change in the Seller Credit. (FinXX/XX/XXXXXXX) | Closing Disclosure reflects change from -$6,500.00 to $0.00, however Did this Change is answered No. This violation is not curable. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_576 |  | XXXX | 9760941618-6582 | XX/XX/XXXX 11:55:25 AM | 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 $74.00 exceeds tolerance of $60.00 plus XX% or $6XX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Lender provided $8.00 credit at closing for increase in Closing Costs above legal limit. |  |  |  |  |  | XX/XX/XXXX 11:28:49 AM |  | 1 A | XX/XX/XXXX | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_561 |  | XXXX | 9723698990-6583 | XX/XX/XXXX 10:14:32 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,937.65 exceeds tolerance of $1,931.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  |  |  | XX/XX/XXXX 12:10:39 PM |  | 1 A | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_561 |  | XXXX | 9723698990-4846 | XX/XX/XXXX 10:14:32 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Closing Costs Financed | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (FinXX/XX/XXXXXXX) | The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed incorrect amount. Provide a post-close CD disclosing the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_561 |  | XXXX | 9723698990-23688 | XX/XX/XXXX 10:14:32 AM | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX | Borrower on this full documentation loan has a disposable income of $XXXX<br>XX% DTI on this (Documentation Type) documentation loan < XX/$ guideline max - XX% below program guideline maximum |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-08-15): Client elects to waive.<br>Reviewer Comment (2019-07-18): Need proof of the dollar amount XX% of extended replacement cost coverage. The other structures is not included. Exception remains.<br>Reviewer Comment (2019-07-18): Lender sent replacement cost estimate which shows cost as $XXXX. Coverage is only $XXXX. Still short $XXXX. Exception remains.<br>Reviewer Comment (2019-07-17): Lender provided same policy that we have in file. Need proof of additional replacement cost or replacement cost estimate that supports the dwelling coverage. Exception remains. |  |  | XX/XX/XXXX 2:47:06 PM | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_561 |  | XXXX | 9723698990-7087 | XX/XX/XXXX 10:14:32 AM | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file was missing a copy of the Initial Escrow Account Statement. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_561 |  | XXXX | 9723698990-4357 | XX/XX/XXXX 10:14:32 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (FinXX/XX/XXXXXXX) | The final CD reflects the loan is not assumable. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-6542 | XX/XX/XXXX 1:25:55 PM | 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 Title - Abstract / Title Search. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery. |  |  |  | Reviewer Comment (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to AMC review |  | XX/XX/XXXX 8:37:43 AM |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-6542 | XX/XX/XXXX 1:25:55 PM | 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 Title - Endorsement Fee. Fee Amount of $132.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (7726) | The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery. |  |  |  | Reviewer Comment (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to AMC review |  | XX/XX/XXXX 8:38:07 AM |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-4826 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX) | The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery. |  |  |  | Reviewer Comment (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to AMC review |  | XX/XX/XXXX 8:38:20 AM |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-6542 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. (7506) | Lender provided a credit in the amount of $61.65 for closing costs that exceeded tolerance. |  |  |  | Reviewer Comment (2019-07-17): Lender provided a credit in the amount of $XX for closing costs that exceeded tolerance. |  | XX/XX/XXXX 12:48:31 PM |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-6542 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $161.65 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (7520) | The lender provided a credit in the amount of $61.65 for closing costs that exceeded tolerance. |  |  |  | Reviewer Comment (2019-07-17): Lender provided a credit in the amount of $XXX for closing costs that exceeded tolerance. |  | XX/XX/XXXX 12:48:52 PM |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-6542 | XX/XX/XXXX 1:25:55 PM | 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 Lien Search. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219) | The lender provided a post close CD dated XX/XX/XXXX with a credit in the amount of $460.30 for closing costs that exceeded tolerance, a copy of a refund check for $398.65 but no proof of delivery. |  |  |  | Reviewer Comment (2019-07-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided prior to AMC review |  | XX/XX/XXXX 8:38:39 AM |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-3868 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | The lender indicated the loan as Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-20305 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX./S-Corp) | The file is missing the 2018 personal tax returns and 2018 business returns. Evidence of extension provided in file for 2018. The file contained a copy of the 2016 and 2017 1040's and business returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-20305 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | The file is missing the 2018 personal tax returns and 2018 business returns. Evidence of extension provided in file for 2018. The file contained a copy of the 2016 and 2017 1040's and business returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-20305 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | The file is missing the 2018 personal tax returns and 2018 business returns. Evidence of extension provided in file for 2018. The file contained a copy of the 2016 and 2017 1040's and business returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_582 |  | XXXX | 9787924985-6572 | XX/XX/XXXX 1:25:55 PM | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXXXXX) | No evidence in file when borrower received updated appraisal report. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_579 |  | XXXX | 9767183396-6583 | XX/XX/XXXX 9:40:43 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Lender provided $150.00 credit at closing for increase in Closing Costs above legal limit. |  |  |  |  |  | XX/XX/XXXX 9:27:15 AM |  | 1 A | XX/XX/XXXX | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_562 |  | XXXX | 9724228136-23396 | XX/XX/XXXX 12:17:53 PM | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Provide final title policy showing correct amount of coverage |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | NV | Second Home | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_562 |  | XXXX | 9724228136-6542 | XX/XX/XXXX 12:17:53 PM | 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 MERS Fee. Fee Amount of $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) | MERS Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2019-07-15): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 11:47:34 AM |  | 2 B | XX/XX/XXXX | NV | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_562 |  | XXXX | 9724228136-6542 | XX/XX/XXXX 12:17:53 PM | 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 Flood Certification (Life Of Loan). Fee Amount of $10.65 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) | Flood Certification (Life Of Loan) fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2019-07-15): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 11:47:11 AM |  | 2 B | XX/XX/XXXX | NV | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_562 |  | XXXX | 9724228136-6542 | XX/XX/XXXX 12:17:53 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $93.89 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee (Life Of Loan) fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2019-07-15): Lender provided LOE, proof of delivery, copy of refund check, and corrected CD. |  | XX/XX/XXXX 11:46:53 AM |  | 2 B | XX/XX/XXXX | NV | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_573 |  | XXXX | 9750109929-6583 | XX/XX/XXXX 4:16:14 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  |  |  | XX/XX/XXXX 8:01:38 AM |  | 1 A | XX/XX/XXXX | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_573 |  | XXXX | 9750109929-4436 | XX/XX/XXXX 4:16:14 PM | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXXXXX) | Evidence Borrower was provided a copy of the appraisal at least 3 business days prior to closing is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_573 |  | XXXX | 9750109929-3136 | XX/XX/XXXX 4:16:14 PM | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations was not provided within 3 business days of application-list provided on XX/XX/XXXX with application date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_572 |  | XXXX | 9749077138-6411 | XX/XX/XXXX 11:03:38 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX) | The file is missing a copy of the Seller Closing Disclosure. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | NM | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_572 |  | XXXX | 9749077138-25034 | XX/XX/XXXX 11:03:38 AM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used their CGW to approve this exception. | Borrower on this full documentation loan has a disposable income of $XXXX. Minimum $XXXX requirXX% LTV < XX% guideline max - $XXXX more equity than required by program guidelines<br>XX months reserves > X months guideline minimum - borrowers have verified reserves of $XXXX. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-31): Client elects to waive. |  |  | XX/XX/XXXX 10:49:09 AM | 2 B | XX/XX/XXXX | NM | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_572 |  | XXXX | 9749077138-5366 | XX/XX/XXXX 11:03:38 AM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender used their CGW to approve this exception. | Borrower on this full documentation loan has a disposable income of $XXXX. Minimum $XXXX requirXX% LTV < XX% guideline max - $XXXX more equity than required by program guidelines<br>XX months reserves > X months guideline minimum - borrowers have verified reserves of $XXXX. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-31): Client elects to waive. |  |  | XX/XX/XXXX 10:48:51 AM | 2 B | XX/XX/XXXX | NM | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_568 |  | XXXX | 9742603609-23897 | XX/XX/XXXX 3:36:08 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing DisclosureXX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX) | Evidence of earlier borrower receipt was not found in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_568 |  | XXXX | 9742603609-6411 | XX/XX/XXXX 3:36:08 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX) | Seller's final CD was not located on file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_559 |  | XXXX | 9712555607-4264 | XX/XX/XXXX 12:31:40 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. | Total assets verified, $XXXX minus cash from borrower of $XXXX = $XXXX reserves or XX months. | XXX representative FICO score > 660 guideline minimum - XX points above guideline minimum<br>XX% DTI on this full documentation loan < 50 guideline max - XX% below program guideline maximum<br>Borrower on this full documentation loan has a disposable income of $XXXX. Minimum $XXXX required.<br>Housing history of 120 months provided > XX months required. |  | Originator<br>Originator<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-08-28): Client elects to waive.<br>Reviewer Comment (2019-08-26): The cash to close amount is $XXXX (Deposit = 2 x $XXX = $XXX POC appraisal $450.00 (no evidence this cleared any account prior to balances used), and Cash to Close from the final CD of $XXX1). The deposits cleared their account before the balance amount. This leaves $XXX. Review agrees with the balances indicated by lender (last comments) except for the balance of $XXX. The lender is using the starting balance of $XXon XX/XX/XXXX while review is using the ending balance on XX/XX/XXXX of $XX. This issue remains open. |  |  | XX/XX/XXXX 1:59:24 PM | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_559 |  | XXXX | 9712555607-26054 | XX/XX/XXXX 12:31:40 PM | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. | Credit Report: Original // Public Record Type: Foreclosure / Balance: XX | F/C does not meet the required 2 years from application. F/C was on XX/XX/XXXX and application is XX/XX/XXXX. Lender used their CGW to approve this exception. | Borrower on this full documentation loan has a disposable income of $XXXX. Minimum $XXXX required.<br>Housing history of 120 months provided > XX months required. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-08-07): Client elects to waive. |  |  | XX/XX/XXXX 12:25:34 PM | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_566 |  | XXXX | 9729508094-22655 | XX/XX/XXXX 10:59:06 AM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Lender requested the loan designation be changed to Non-QM. |  |  |  |  |  |  |  | 2 A B | XX/XX/XXXX | CO | Second Home | Purchase | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_557 |  | XXXX | 9706329811-5366 | XX/XX/XXXX 10:09:43 AM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender used their CGW to approve this exception. | Borrower on this full documentation loan has a disposable income of $XXXX> guideline of $XXXX.<br>XX months reserves > X months guideline minimum - borrowers have verified reserves of$XXXX |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-18): Client elects to waive. |  |  | XX/XX/XXXX 9:29:14 AM | 2 B | XX/XX/XXXX | NH | Second Home | Purchase | B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_557 |  | XXXX | 9706329811-25034 | XX/XX/XXXX 10:09:43 AM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX/$. (DTI Exception is eligible to be regraded with compensating factors.) | Lender used their CGW to approve this exception. | Borrower on this full documentation loan has a disposable income of $XXXX> guideline of $XXXX.<br>XX months reserves > X months guideline minimum - borrowers have verified reserves of$XXXX |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-18): Client elects to waive. |  |  | XX/XX/XXXX 9:28:56 AM | 2 B | XX/XX/XXXX | NH | Second Home | Purchase | B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_557 |  | XXXX | 9706329811-23897 | XX/XX/XXXX 10:09:43 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing Disclosure XX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX) | Evidence of earlier borrower receipt was not found in file. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | NH | Second Home | Purchase | No Defined Cure B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_557 |  | XXXX | 9706329811-6411 | XX/XX/XXXX 10:09:43 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (FinXX/XX/XXXXXXX) | Seller CD was not provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | NH | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_557 |  | XXXX | 9706329811-6498 | XX/XX/XXXX 10:09:43 AM | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | The appraisal was not in the name of the lender. Provide a revised appraisal correcting the client. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | NH | Second Home | Purchase | B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_580 |  | XXXX | 9767412282-6583 | XX/XX/XXXX 12:48:25 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | The cure amount disclosed is 150.00 |  |  |  |  |  | XX/XX/XXXX 5:02:15 PM |  | 1 A | XX/XX/XXXX | FL | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_580 |  | XXXX | 9767412282-24188 | XX/XX/XXXX 12:48:25 AM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXXXXX) | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues are $5,85XX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Note: the lender qualified the borrower with HOA dues of $XXX per month; however the appraisal verified HOA dues of $XXX per month. |  |  |  | Reviewer Comment (2019-08-02): Letter of Explanation & Corrected Closing Disclosure provided |  | XX/XX/XXXX 8:08:10 AM |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_565 |  | XXXX | 9729267865-3831 | XX/XX/XXXX 11:53:04 AM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file approving use of XXXX income statements in lieu of a standard lease agreement for the Borrower's Investment Property. | Monthly housing payment was reduced by XX%<br>Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX.<br>XX% DTI on this full documentation loan < XX% guideline max - XX% below program guideline maximum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-08-07): Client elects to waive. |  |  | XX/XX/XXXX 11:47:47 AM | 2 B | XX/XX/XXXX | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_569 |  | XXXX | 9743360233-2210 | XX/XX/XXXX 10:27:10 AM | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan is missing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OH | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_569 |  | XXXX | 9743360233-25677 | XX/XX/XXXX 10:27:10 AM | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Disclosure provided on XX/XX/XXXX and initial application date is XX/XX/XXXX. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OH | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-5366 | XX/XX/XXXX 10:29:31 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. | Lender exception in file approving DTI to XX%. | Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX.<br>XX months reserves > X months guideline minimum. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-26): Lender exception provided in the file |  |  | XX/XX/XXXX 8:41:15 PM | 2 B | XX/XX/XXXX | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-23396 | XX/XX/XXXX 10:29:31 PM | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-25034 | XX/XX/XXXX 10:29:31 PM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX/$. (DTI Exception is eligible to be regraded with compensating factors.) | Lender approval of XX% DTI Exception in file. | Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX.<br>XX months reserves > X months guideline minimum. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-26): Lender exception provided in the file |  |  | XX/XX/XXXX 8:41:26 PM | 2 B | XX/XX/XXXX | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-6542 | XX/XX/XXXX 10:29:31 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506) | No exception. Lender provided a cure on the Borrowers' final CD. |  |  |  | Reviewer Comment (2019-07-26): Cure provided on the final CD |  | XX/XX/XXXX 8:46:39 PM |  | 2 B | XX/XX/XXXX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-6542 | XX/XX/XXXX 10:29:31 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $5XX exceeds tolerance of $30.00. Insufficient or no cure was provided to the borrower. (7520) | No exception. Lender provided a cure on the Borrowers' final CD. |  |  |  | Reviewer Comment (2019-07-26): Cure provided on the final CD |  | XX/XX/XXXX 8:46:25 PM |  | 2 B | XX/XX/XXXX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-4826 | XX/XX/XXXX 10:29:31 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX) | Recording Fee last disclosed as $150.00 on LE but disclosed as $425.00 on Final Closing Disclosure. |  |  |  | Reviewer Comment (2019-08-08): Letter of Explanation & Corrected Closing Disclosure provided. |  | XX/XX/XXXX 8:22:40 PM |  | 2 B | XX/XX/XXXX | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-3831 | XX/XX/XXXX 10:29:31 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file allowing for the exclusion of 2016 expenses on the 2016/2017 taxes as they will not continue in 2018 and loan is already Non QM. | Borrower on this full documentation loan has a disposable income of $XXXX; guidelines require $XXXX.<br>XX months reserves > X months guideline minimum. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-07-26): Lender exception provided in the file |  |  | XX/XX/XXXX 8:40:44 PM | 2 B | XX/XX/XXXX | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_556 |  | XXXX | 9706206530-6544 | XX/XX/XXXX 8:22:09 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $150.00 plus XX% or $165.00. Sufficient or excess cure was provided to the borrower. (0) | PCCD, LOE, CHECK and POD provided. |  |  |  | Reviewer Comment (2019-08-08): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided. |  | XX/XX/XXXX 8:23:21 PM |  | 2 B | XX/XX/XXXX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_585 |  | XXXX | 9795651174-3868 | XX/XX/XXXX 10:31:13 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Lender designation is Non-QM. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_585 |  | XXXX | 9795651174-4957 | XX/XX/XXXX 10:31:13 AM | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | Title - Lien Search was shown in Section B but the provider is not listed on the SSPL. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | Good Faith Redisclosure B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_585 |  | XXXX | 9795651174-6545 | XX/XX/XXXX 11:15:05 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75106) | AMC received PCCD indicating principal reduction, LOE, and Payment History indicating cure reduction. Exception Cured. |  |  |  | Reviewer Comment (2019-09-04): AMC received PCCD indicating principal reduction, LOE, and Payment History indicating cure reduction. Exception Cured. |  | XX/XX/XXXX 11:15:30 AM |  | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-7087 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The loan file is missing the Initial Escrow Disclosure. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-4613 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/XXXX disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (FinXX/XX/XXXXXXX) | The final CD disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $3,854.00; however $2,248.15 was collected in section F for XX months. The amount collected in section F was equal to 7 months. Since a whole number is required to be disclosed, provide a post-close CD disclosing the full 12 month premium including $1,605.85 paid by the borrower before closing and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-6582 | XX/XX/XXXX 9:50:03 AM | 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 $67.00 exceeds tolerance of $50.00 plus XX% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Excess cure provided to borrower. |  |  |  |  |  | XX/XX/XXXX 3:59:44 PM |  | 1 A | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-22680 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of XX% or Final Disclosure APR of XX% is in excess of allowable threshold of APOR XX% + 1XX%, or XX%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | No obvious cure B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  | Reviewer Comment (2019-09-11): Updated from: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXX./Partnership) |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-20305 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2018 Filing Extensions present in file for both Business and Personal returns. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-7042 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | This was a same lender refinance and an H-9 Right to Cancel Form should have been used. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-6572 | XX/XX/XXXX 9:50:03 AM | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXXXXX) | Evidence in file reflects the final 1004 was provided to the Borrower at closing. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-3831 | XX/XX/XXXX 12:42:59 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property over XX acres actual acreage is XX. | XX% DTI on this full documentation loan < XX% guideline max - XX% below program guideline maximum<br>Borrower has residual income of$XXXX; guidelines require$XXXX. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-08-26): Client elects to waive. |  |  | XX/XX/XXXX 12:43:44 PM | 2 B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_570 |  | XXXX | 9744269490-22655 | XX/XX/XXXX 4:12:19 PM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Lender sent letter to change to non-qm. |  |  |  |  |  |  |  | 2 A B | XX/XX/XXXX | OK | Primary | Refinance - Rate/Term | B A | Higher Priced QM | Non QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension was provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-6583 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $16,279.80 exceeds tolerance of $15,914.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  |  |  | XX/XX/XXXX 1:54:58 PM |  | 1 A | XX/XX/XXXX | FL | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM | Higher Priced QM | No |
| XXXX | XXXX | XXXX | 500_586 |  | XXXX | 9797233872-7456 | XX/XX/XXXX 4:22:46 PM | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | 2017 is the last filed year. 2018 extension for the personal and business returns provided. |  |  |  |  |  |  |  | 2 B | XX/XX/XXXX | FL | Primary | Purchase | B A | Higher Priced QM | Higher Priced QM | No |

---

## Exhibit 99.5

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Redacted ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX |  | 500_532 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_584 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_563 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_560 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_571 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_575 | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_581 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_567 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_558 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_574 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_564 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_578 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_576 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_561 | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_582 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_579 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_562 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_573 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_572 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_583 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_568 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_559 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_566 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_557 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_580 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_565 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_569 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_577 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_556 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_585 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_570 | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |
| XXXX | XXXX | XXXX |  | 500_586 | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | $XXXX | $XXXX | XX% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX |

---

## Exhibit 99.6

![](n3137_x3-img004.jpg)

**2**

Mortgage Loan Sale <br> Executive Summary<br> Report

![](image_001.jpg)

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**TABLE OF CONTENTS**

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| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 14.0 |
| Tape Integrity Review Results Summary | 14.0 |
| Additional Loan Population Summary | 15.0 |

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**Description of the due diligence performed**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Loan Funding Structure III LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of fifty-six (56) mortgage loans that were originally reviewed from September 2021 to May 2022.

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

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review": 23 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review": 56 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 56 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 56 Mortgage Loans

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

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

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

For fifty-six (56) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

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

Infinity conducted a credit review for fifty-six (56) mortgage loans. At that time, Infinity reviewed the 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 Infinity 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.

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There were 10 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

**Occupancy Review:** Infinity 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, Infinity 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

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borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity 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:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

**Business Purpose/DSCR Scope:** Infinity conducted business purpose/property focused Investor review for thirty-two (32) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed 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, (v) reviewed 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, (vi) reviewed 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), (vii) reviewed 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

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for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed 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 (xi) reviewed 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 (xii) verified 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, (xiii) compared 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, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity 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.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for fifty-six (56) mortgage loans. For these fifty-six (56) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

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external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

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

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

Infinity completed a Compliance Review on twenty-three (23) mortgage loans. Please be advised that Infinity 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 Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity 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:**

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;a) | <u>Rescission (§1026.23):</u> | <u>Rescission (§1026.23):</u> |
|  | i) | failure to provide the right of rescission notice; |
|  | ii) | failure to provide the right of rescission notice in a timely manner and to the correct consumer(s); |
|  | iii) | errors in the right of rescission notice; |
|  | iv) | failure to provide the correct form of right of rescission notice; |
|  | v) | failure to provide the three (3) business day rescission period; |

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

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

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| | | |
|:---|:---|:---|
| &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> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |
|  | i) | review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s); |
|  | ii) | proper execution by all required parties; |
|  | iii) | principal and interest calculations, and proper completion of the interest rate and payment summary; and |
|  | iv) | timing of initial and re-disclosed TIL(s). |

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

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

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;d) | <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> | <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> |
|  | i) | points and fees threshold test; |
|  | ii) | APR threshold test; |
|  | iii) | prepayment penalty test; and |
|  | iv) | compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage. |

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e) <u>Higher-priced Mortgage Loan (§1026.35):</u> <br> i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;f) | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> | <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; i) | review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; | review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; |
| &nbsp;&nbsp;&nbsp;&nbsp; ii) | review relevant document to determine if there was dual compensation; and | review relevant document to determine if there was dual compensation; and |
| &nbsp;&nbsp;&nbsp;&nbsp; iii) | review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied. | review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied. |
|  | (1) | Note: Where available, Infinity 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, Infinity'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; |

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

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

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

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

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

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

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

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

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| | | |
|:---|:---|:---|
| &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> | <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> |
|  | i) | confirm the presence of the current GFE form in effect at the time of origination; |
|  | ii) | verify GFE was provided to the borrower(s) within three (3) business days of application; |
|  | iii) | verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations; |
|  | iv) | determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and |
|  | v) | confirm the presence of a settlement service provider list, as applicable. |

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| | | |
|:---|:---|:---|
| &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> | <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> |
|  | i) | confirm current applicable HUD form was provided; |
|  | ii) | determination that the mortgage loan file contains the final HUD; |
|  | iii) | escrow deposit on the final HUD matches the initial escrow statement amount; and |
|  | iv) | verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations. |

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

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

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;d) | <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> | <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> |
|  | i) | confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file; |
|  | ii) | verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application; |
|  | iii) | confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; |
|  | iv) | confirm the Special Information Booklet was provided within three (3) business days of application; |
|  | v) | confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements; |
|  | vi) | confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application; |
|  | vii) | confirm the Affiliated Business Arrangement Disclosure is executed; and |
|  | viii) | 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 |

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|:---|:---|
| &nbsp;&nbsp;9 | &nbsp;&nbsp;Page |

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

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

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;a) | <u>Loan Estimate (LE) (§§1026.19 and 37):</u> | <u>Loan Estimate (LE) (§§1026.19 and 37):</u> |
|  | i) | confirm the presence of LE for applications on or after October 3, 2015; |
|  | ii) | confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application; |
|  | iii) | confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE; |
|  | iv) | confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency; |
|  | v) | confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures; |
|  | vi) | confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance; |
|  | vii) | confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services); |
|  | viii) | confirm borrower received LE not later than four (4) business days prior to consummation; and |
|  | ix) | confirm LE was not provided to the borrower on or after the date of the CD. |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;b) | <u>Closing Disclosure (CD) (§§1026.19 and 38)</u>: | <u>Closing Disclosure (CD) (§§1026.19 and 38)</u>: |
|  | i) | confirm the presence of CD for applications on or after October 3, 2015; |
|  | ii) | confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency; |
|  | iii) | confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD; |
|  | iv) | confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate; |
|  | v) | identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; |
|  | vi) | with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and |
|  | vii) | with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") 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 SFIG Compliance Review Scope. |

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|:---|:---|
| &nbsp;&nbsp;10 | &nbsp;&nbsp;Page |

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

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

&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

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

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

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

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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity 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, Infinity 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>*

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|:---|:---|
| &nbsp;&nbsp;11 | &nbsp;&nbsp;Page |

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Infinity 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.

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity 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:**

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

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**(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**

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in

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| &nbsp;&nbsp;12 | &nbsp;&nbsp;Page |

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the 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, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (56 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers fifty-six (56) mortgage loans. Within those mortgage loans, Infinity graded fifty-six (56) mortgage loans as "A".

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;56 | &nbsp;&nbsp;56 | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (56 Mortgage Loans)**

Of the fifty-six (56) mortgage loans reviewed, 35 (62.50%) mortgage loans had tape discrepancies across fifteen (15) unique data fields.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;Appraisal #2 Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Appraisal #2 Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;B1 Citizenship Status | &nbsp;&nbsp;3 | &nbsp;&nbsp;56 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;4 | &nbsp;&nbsp;56 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Debt Service Coverage Ratio (DSCR) | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Income B1 U/W | &nbsp;&nbsp;11 | &nbsp;&nbsp;56 | &nbsp;&nbsp;19.64% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;56 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;56 | &nbsp;&nbsp;33.93% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;3 | &nbsp;&nbsp;56 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;2 | &nbsp;&nbsp;56 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Subject Property Detached/Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;56 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;56 | &nbsp;&nbsp;3.57% |

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**ADDITIONAL LOAN POPULATION SUMMARY (56 Mortgage Loans)**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;55 | &nbsp;&nbsp;98.21% | &nbsp;&nbsp;$21510250.00 | &nbsp;&nbsp;98.35% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$360000.00 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$21870250.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$21870250.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$21870250.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;21 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$8149550.00 | &nbsp;&nbsp;37.26% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.07% | &nbsp;&nbsp;$5053500.00 | &nbsp;&nbsp;23.11% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;39.29% | &nbsp;&nbsp;$7548000.00 | &nbsp;&nbsp;34.51% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$1119200.00 | &nbsp;&nbsp;5.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$21870250.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$360000.00 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;55 | &nbsp;&nbsp;98.21% | &nbsp;&nbsp;$21510250.00 | &nbsp;&nbsp;98.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$21870250.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;22 | &nbsp;&nbsp;39.28% | &nbsp;&nbsp;$10538300.00 | &nbsp;&nbsp;48.19% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$558400.00 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;33 | &nbsp;&nbsp;58.93% | &nbsp;&nbsp;$10773550.00 | &nbsp;&nbsp;49.26% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$21870250.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;15 | &nbsp;&nbsp;Page |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;NQM Underwriting Guidelines, 2021 05 01.pdf |
| &nbsp;&nbsp;Acra Rate Matrix, Non Prime, 2021 08 06.pdf |
| &nbsp;&nbsp;Acra Rate Matrix, 3MBS, 2021 06 12.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 01 20.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 02 11.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 02 09.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 02 03.pdf |
| &nbsp;&nbsp;Matrix Changes for 2022 02 11, Rates Changed & Program Updates.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 03 23.pdf |
| &nbsp;&nbsp;Acra Rate Matrices, NQM Programs, 2022 03 18.pdf |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;16 | &nbsp;&nbsp;Page |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| IFI1HZR4OLV | xx | 500_31 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | IFI1HZR4OLV-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.887% Allowed: 4.640% Over by: +0.247%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| IFI1HZR4OLV | xx | 500_31 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | IFI1HZR4OLV-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.887% Allowed: 4.640% Over by: +0.247%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| QPW40PK2U3Z | xx | 500_33 |  | xx | Utah | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | QPW40PK2U3Z-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM Confidence score > 0.10. Require additional valuation to support the original stated value<br>3/4/2022 - Received CDA (Desk Review) and condition has been resolved | 3/4/2022 - Received CDA (Desk Review) and condition has been resolved | 3/4/2022 - Received CDA (Desk Review) and condition has been resolved |  |  | QC Complete | 02/10/2022 | 03/04/2022 | 03/04/2022 | 02/10/2022 |
| QPW40PK2U3Z | xx | 500_33 |  | xx | Utah | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | QPW40PK2U3Z-NFSUVLR0 | Resolved | 3 | R | \* Missing Required State Disclosures (Lvl R) | List of Servicing Providers document is missing in the loan package. Kindly provide List of Servicing Providers document.<br>02/17/2022 - Received list of service providers & condition resolved. | 02/17/2022 - Received list of service providers & condition resolved. | 02/17/2022 - Received list of service providers & condition resolved. |  |  | QC Complete | 02/10/2022 | 02/17/2022 | 02/17/2022 | 02/11/2022 |
| QPW40PK2U3Z | xx | 500_33 |  | xx | Utah | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | QPW40PK2U3Z-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Initial Loan Estimate is missing in the loan package. Kindly provide initial loan estimate.<br>Resolved 2/17/2022 :- Provided Initial Documents updated. | Resolved 2/17/2022 :- Provided Initial Documents updated. | Resolved 2/17/2022 :- Provided Initial Documents updated. |  |  | QC Complete | 02/10/2022 | 02/17/2022 | 02/17/2022 | 02/10/2022 |
| KVTZVDZUO2P | xx | 500_36 |  | xx | Tennessee | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | KVTZVDZUO2P-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: charged 5.654% allowed 5.120% over by +0.534%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| 3P11IRFAKZD | xx | 500_42 |  | xx | Maryland | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 3P11IRFAKZD-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the MD COMAR higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>MD COMAR Higher-Priced Mortgage Loan Test FAIL : charged 5.175% allowed 5.110% over by +0.065%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13), COMAR 09.03.09.02B(6) | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13), COMAR 09.03.09.02B(6) | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13), COMAR 09.03.09.02B(6) |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| 3P11IRFAKZD | xx | 500_42 |  | xx | Maryland | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 3P11IRFAKZD-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : charged 5.175% allowed 5.110% over by +0.065%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 03/07/2022 |
| 3P11IRFAKZD | xx | 500_42 |  | xx | Maryland | xx | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | 3P11IRFAKZD-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU and LCA score is missing in the file. AVM to be ordered.<br>03/10/2022 - Received AVM as additional valuation & condition resolved. | 03/10/2022 - Received AVM as additional valuation & condition resolved. | 03/10/2022 - Received AVM as additional valuation & condition resolved. |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 03/07/2022 |
| AIS5JVKLMMQ | xx | 500_43 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | AIS5JVKLMMQ-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL Charged 5.918% 5.460% +0.458%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 04/04/2022 |
| AIS5JVKLMMQ | xx | 500_43 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | AIS5JVKLMMQ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL Charged 5.918% 5.460% +0.458%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| AIS5JVKLMMQ | xx | 500_43 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | AIS5JVKLMMQ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Value on AVM is more 10% on negative side than appraisal. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 04/04/2022 |
| KNTSOJVAVFW | xx | 500_74 |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | KNTSOJVAVFW-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Unable to verify Co-Borrower income of xx per month. Please provide supporting documentation to support income.<br>10/11/2021 - Received updated UW worksheet & Final 1003 page 2, without borrower 2 income. This resolves the condition. | 10/11/2021 - Received updated UW worksheet & Final 1003 page 2, without borrower 2 income. This resolves the condition. | 10/11/2021 - Received updated UW worksheet & Final 1003 page 2, without borrower 2 income. This resolves the condition. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 09/21/2021 |
| KNTSOJVAVFW | xx | 500_74 |  | xx | California | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | KNTSOJVAVFW-I97OJO44 | Resolved | 3 | R | \* The Credit LOX is missing (Lvl R) | Provide a letter of explanation for following credit inquiries reported on credit report.<br>xx - 07/26/21<br> xx - 06/15/21<br> xx - 06/04/21 <br> xx- 05/25/21<br> xx - 05/25/21<br> xx - 05/25/21 | As per lender this is not required on non-conforming loans.<br>9/28/2021 - Our understanding is that this practice is not mandatory for Non-Conforming loans. | As per lender this is not required on non-conforming loans.<br>9/28/2021 - Our understanding is that this practice is not mandatory for Non-Conforming loans. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 09/21/2021 |
| FMNR1FOVIRL | xx | 500_239 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 3 | 1 | Legal Docs | Doc Issue | FMNR1FOVIRL-HI5N7YPL | Resolved | 3 | R | \* Mortgage missing / unexecuted (Lvl R) | Mortgage document missing from the package (xx).<br>11/22/2021 - Received Mortgage document & condition resolved. | 11/22/2021 - Received Mortgage document & condition resolved. | 11/22/2021 - Received Mortgage document & condition resolved. |  |  | QC Complete | 11/10/2021 | 02/21/2022 | 02/21/2022 | 11/08/2021 |
| FMNR1FOVIRL | xx | 500_239 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | FMNR1FOVIRL-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Final Closing Disclosure is missing in the loan file.<br>Not Resolved : 12/21/2021 - Received copy of Final settlement statement. But Final closing disclosure is required. | Resolved : 01/10/2022 - Received copy of Final closing disclosure, hence condition solved.<br>| Resolved : 01/10/2022 - Received copy of Final closing disclosure, hence condition solved.<br>|  |  | QC Complete | 11/10/2021 | 01/19/2022 | 01/19/2022 | 11/11/2021 |
| FMNR1FOVIRL | xx | 500_239 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | FMNR1FOVIRL-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final 1003 Document is missing in the file.<br>11/23/2021 - Received final 1003 & condition resolved. | 11/23/2021 - Received final 1003 & condition resolved. | 11/23/2021 - Received final 1003 & condition resolved. |  |  | QC Complete | 11/10/2021 | 11/23/2021 | 11/23/2021 | 11/10/2021 |
| FMNR1FOVIRL | xx | 500_239 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 3 | 1 | Legal Docs | Doc Issue | FMNR1FOVIRL-2XRZ4V9U | Resolved | 3 | R | \* Note is missing or unexecuted (Lvl R) | Note document is missing in the file.<br>11/22/2021 - Received Note document & condition resolved. | 11/22/2021 - Received Note document & condition resolved. | 11/22/2021 - Received Note document & condition resolved. |  |  | QC Complete | 11/10/2021 | 02/21/2022 | 02/21/2022 | 11/09/2021 |
| NITRPGFBQCT | xx | 500_252 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | NITRPGFBQCT-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. both CU risk scores are missing.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 11/12/2021 | 01/04/2022 | 01/04/2022 | 11/12/2021 |
| TAYMRY034FC | xx | 500_271 |  | xx | Illinois | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | TAYMRY034FC-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 5.556% Allowed: 4.420% Over by: +1.136%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| YQRD2KDPJFQ | xx | 500_302 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | YQRD2KDPJFQ-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide additional secondary valuation document report for the subject property as in the available valuation report AVM confidence score score is 0.39 that is more than the allowable limit.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 11/26/2021 |
| NKECULKDRHG | xx | 500_315 |  | xx | Florida | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | NKECULKDRHG-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. both CU risk scores are missing.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 11/09/2021 | 01/04/2022 | 01/04/2022 | 11/11/2021 |
| NNSEWUA1KRE | xx | 500_332 |  | xx | Illinois | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | NNSEWUA1KRE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL Charged : 5.957% Allowed : 4.560% Overby : +1.397%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| L1K124AXMJC | xx | 500_348 |  | xx | Idaho | xx | Cash Out | Non-QM/Compliant | 3 | 1 | AUS | AUS | L1K124AXMJC-LL4CF7C8 | Resolved | 3 | R | \* Appraisal Value (Lvl R) | Provide secondary valuation report for the subject property as AVM in the file neither have Confidence score nor appraised value<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 12/10/2021 |
| YKVVXE1L5FB | xx | 500_349 |  | xx | Hawaii | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | YKVVXE1L5FB-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide Secondary valuation as CU risk socre is missing.<br>01/24/2022 - Received AVM as secondary valuation & condition resolved. | 01/24/2022 - Received AVM as secondary valuation & condition resolved. | 01/24/2022 - Received AVM as secondary valuation & condition resolved. |  |  | QC Complete | 11/24/2021 | 01/24/2022 | 01/24/2022 | 11/26/2021 |
| JGVL211L3EW | xx | 500_353 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | JGVL211L3EW-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM confidence score is greater than 0.10 (CA Value). Provide CDA or similar document.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 11/10/2021 | 01/04/2022 | 01/04/2022 | 11/11/2021 |
| I4TXAL5NZJ4 | xx | 500_367 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | I4TXAL5NZJ4-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL Charged : 4.913% Allowed : 4.600% Overby : +0.313%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| PHKLQMA1M0D | xx | 500_374 |  | xx | California | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | PHKLQMA1M0D-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provide CDA or similar document as provided AVM reflects confidence score as 0.17 which is greater than 0.17 (Vero Value)<br>01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. | 01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 12/02/2021 |
| 3NVMHLKZVPS | xx | 500_376 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 3NVMHLKZVPS-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.799% Allowed: 4.530% Over by: +0.269%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 02/24/2022 |
| 3NVMHLKZVPS | xx | 500_376 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 3NVMHLKZVPS-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain<br> disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy<br> higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.799% Allowed: 4.530% Over by: +0.269%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| 3NVMHLKZVPS | xx | 500_376 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Legal Docs | Mortgage | 3NVMHLKZVPS-SRSC1R22 | Resolved | 3 | R | \* Borrower certification and authorization (Lvl R) | Employment authorization expired on 1/8/2022, Need renewed card.<br>03/31/2022 - Received renewed Employment authorization card and condition has been resolved. | 03/31/2022 - Received renewed Employment authorization card and condition has been resolved. | 03/31/2022 - Received renewed Employment authorization card and condition has been resolved. |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 02/24/2022 |
| W1AZ3DJVAX3 | xx | 500_377 |  | xx | New Jersey | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | W1AZ3DJVAX3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | "Provide CDA or similar document as value on AVM xx exceeds the value on Appraisal xx by more than 10% on negative side."<br>3/21/2022 - Received CDA as secondary valuation & condition resolved | 3/21/2022 - Received CDA as secondary valuation & condition resolved | 3/21/2022 - Received CDA as secondary valuation & condition resolved |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 03/01/2022 |
| W1AZ3DJVAX3 | xx | 500_377 |  | xx | New Jersey | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | W1AZ3DJVAX3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: charged 6.278% allowed 4.530% over by +1.748%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| ZGSCCQ4VBDB | xx | 500_389 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | ZGSCCQ4VBDB-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test FAIL charged 7.100% allowed 4.600% over by +2.500%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| 4ZOYL1J4AXI | xx | 500_405 |  | xx | Nevada | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 4ZOYL1J4AXI-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU risk score is missing.<br>03/10/2022 - Not resolved - Received AVM as additional valuation but variance (11%) & FSD score (0.1770) exceeds the limit.<br>3/29/2022 - Received CDA and condition have been resolved | 3/29/2022 - Received CDA and condition have been resolved | 3/29/2022 - Received CDA and condition have been resolved |  |  | QC Complete | 03/01/2022 | 03/29/2022 | 03/29/2022 | 03/01/2022 |
| JVK2E5I04G0 | xx | 500_409 |  | xx | Utah | xx | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | JVK2E5I04G0-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as Both CU scores are missing.<br>03/10/2022 - Not resolved - Received AVM as additional valuation but variance (-15%) exceeds limit.<br>3/29/2022 - Received CDA and condition have been resolved | 3/29/2022 - Received CDA and condition have been resolved | 3/29/2022 - Received CDA and condition have been resolved |  |  | QC Complete | 03/04/2022 | 03/29/2022 | 03/29/2022 | 03/03/2022 |
| GSXTUH31DB3 | xx | 500_410 |  | xx | Arizona | xx | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | GSXTUH31DB3-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | Last two pages of final 1003 is missing in the file<br>03/31/2022 - Received Final 1003 for both the borrowers but lender loan information section L1 to L4 missing on the file<br>5/20/2022 - Not Resolved - Received Final 1003 but lender loan information section L1 to L4 missing on the file<br>06/15/2022 - Received 1003 with lender loan information section L1 to L4. Hence, condition is resolved. | 06/15/2022 - Received 1003 with lender loan information section L1 to L4. Hence, condition is resolved. | 06/15/2022 - Received 1003 with lender loan information section L1 to L4. Hence, condition is resolved. |  |  | QC Complete | 02/24/2022 | 06/15/2022 | 06/15/2022 | 02/24/2022 |
| WMNKV5MZVQN | xx | 500_411 |  | xx | Florida | xx | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Credit | WMNKV5MZVQN-UGWCSQP5 | Resolved | 4 | R | \* Credit report showing alert (Lvl R) | In current mortgage xx #xx showing 6 30days late payment in credit report. As per guideline (xx Rate Matrix, 1st xxs, 2022 03 23.pdf) none in past 24months.<br>4/21/2022 - Received confirmation from client the 24 month VOM/VOR look back only applies to loans with impounds being waived and this loan does not have an impound waiver so the 24-month look back does not apply and hence condition is resolved. | 4/21/2022 - Received confirmation from client the 24 month VOM/VOR look back only applies to loans with impounds being waived and this loan does not have an impound waiver so the 24-month look back does not apply and hence condition is resolved. | 4/21/2022 - Received confirmation from client the 24 month VOM/VOR look back only applies to loans with impounds being waived and this loan does not have an impound waiver so the 24-month look back does not apply and hence condition is resolved. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 04/06/2022 |
| ZQOVI3EUJRF | xx | 500_421 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | ZQOVI3EUJRF-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU & LCA risk scores are missing. AVM to be ordered<br>03/10/2022 - Received AVM as additional valuation & condition resolved. | 03/10/2022 - Received AVM as additional valuation & condition resolved. | 03/10/2022 - Received AVM as additional valuation & condition resolved. |  |  | QC Complete | 03/04/2022 | 03/10/2022 | 03/10/2022 | 03/04/2022 |
| UV222FUIQUV | xx | 500_427 |  | xx | Utah | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | UV222FUIQUV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU score is missing. AVM need to be ordered.<br>03/10/2022 - Received AVM as additional valuation & condition resolved. | 03/10/2022 - Received AVM as additional valuation & condition resolved. | 03/10/2022 - Received AVM as additional valuation & condition resolved. |  |  | QC Complete | 02/25/2022 | 03/10/2022 | 03/10/2022 | 02/25/2022 |
| F3KCBYCMIP2 | xx | 500_431 |  | xx | Washington | xx | Refinance | Non-QM/Compliant | 3 | 1 | Credit |  | F3KCBYCMIP2-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | As per Hazard insurgence dwelling amount not covering the loan amount.. Loan Amount xx and Estimate cost as per appraisal xx and Dwelling coverage xx<br> Hence we need Replacement cost estimate copy and new Insurance copy<br>4/21/2022 - Received Replacement cost estimator document and condition is resolved | 4/21/2022 - Received Replacement cost estimator document and condition is resolved | 4/21/2022 - Received Replacement cost estimator document and condition is resolved |  |  | QC Complete | 04/05/2022 | 01/31/2023 | 01/31/2023 | 04/05/2022 |
| F3KCBYCMIP2 | xx | 500_431 |  | xx | Washington | xx | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | F3KCBYCMIP2-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID Violation due to Appraisal fee increased in Initial CD dated 03/22/2022. Revised LE dated 03/18/2022 reflects Appraisal fee $850.00, however, Initial CD dated 03/22/2022 reflects the Appraisal fee $950.00.<br> This is a fee increase of $100.00 for a Non-Shoppable Fee which exceeds the 0% tolerance, valid COC required.<br>Resolved 6/10/2022 : Received PCCD with cure amount of $100.00 and updated, hence conditions cleared. | Resolved 6/10/2022 : Received PCCD with cure amount of $100.00 and updated, hence conditions cleared. | Resolved 6/10/2022 : Received PCCD with cure amount of $100.00 and updated, hence conditions cleared. |  |  | QC Complete | 04/05/2022 | 06/10/2022 | 06/10/2022 | 04/05/2022 |
| OGFA1TTJYGC | xx | 500_433 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | OGFA1TTJYGC-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling coverage is xx and loan amount is xx. Need Updated HO6 policy or Replacement cost to cover the loan amount<br>5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved. | 5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved. | 5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 04/11/2022 |
| O4KQCEUT15I | xx | 500_441 |  | xx | California | xx | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | O4KQCEUT15I-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | CDA to be ordered as value on AVM is more than 10% on negative side than appraisal.<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/05/2022 | 05/03/2022 | 05/03/2022 | 04/05/2022 |
| ZQDUOXAD4J1 | xx | 500_442 |  | xx | Utah | xx | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | ZQDUOXAD4J1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Fail Charged: 5.676% Allowed: 4.740% Over by: +0.936%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| 0QXNM4HXALB | xx | 500_447 |  | xx | Florida | xx | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 0QXNM4HXALB-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Confidence score on AVM 0.19 is exceeding guidelines. CDA to be ordered<br>05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. | 05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 03/31/2022 |
| IGCKVO50FSR | xx | 500_451 |  | xx | South Carolina | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | IGCKVO50FSR-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Please provide secondary valuation <br> AVM present in the loan package the confidence score is 0.5% , CDA to be ordered<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/06/2022 | 05/03/2022 | 05/03/2022 | 04/06/2022 |
| 4VOXKAACKTN | xx | 500_455 |  | xx | Florida | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | 4VOXKAACKTN-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 7.246% Allowed: 5.490% Over By : +1.756%<br>Resolved : HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved : HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved : HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 01/30/2023 | 01/30/2023 | 01/30/2023 | 01/30/2023 |
| 1CIM1MYEW3Q | xx | 500_457 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 1CIM1MYEW3Q-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Both CU risk scores are missing in the file. AVM to be ordered<br>05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. | 05/16/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 04/07/2022 | 05/16/2022 | 05/16/2022 | 04/07/2022 |
| XN3SOFU2V1U | xx | 500_458 |  | xx | Florida | xx | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | XN3SOFU2V1U-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Both CU/LCA score is missing in the loan file. The AVM Secondary Valuation document from CA Neighborhood Value Range in file page#441 missing the original stated value and Confidence score. Require Updated AVM with all the details. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. | 04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | QC Complete | 01/31/2023 | 01/31/2023 | 01/31/2023 | 04/06/2022 |
| I0SYM3MZKH2 | xx | 500_477 |  | xx | Maryland | xx | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | I0SYM3MZKH2-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU Score is missing. AVM to be ordered.<br>04/07/2022 - Received AVM. Hence, condition is resolved. | 04/07/2022 - Received AVM. Hence, condition is resolved. | 04/07/2022 - Received AVM. Hence, condition is resolved. |  |  | QC Complete | 03/29/2022 | 04/07/2022 | 04/07/2022 | 03/29/2022 |

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## Exhibit 99.6

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| **Scienna ID** | **Loan Number** | **Redacted ID** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **TRID Flag** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 4EFACIUROIU | xx | 500_173 |  | xx | Maryland | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | Yes | Alternative | QC Complete | 01/31/2023 |
| XWA053TQV54 | xx | 500_212 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:24<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/12/2021 |
| 0KPHYCELDQS | xx | 500_213 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: |  |  | No | Alternative | QC Complete | 11/09/2021 |
| FMNR1FOVIRL | xx | 500_239 |  | xx | Florida | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Final 1003 Document is missing in the file.<br>11/23/2021 - Received final 1003 & condition resolved.<br>\*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: Final Closing Disclosure is missing in the loan file.<br>Not Resolved : 12/21/2021 - Received copy of Final settlement statement. But Final closing disclosure is required.<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: Mortgage document missing from the package (xx).<br>11/22/2021 - Received Mortgage document & condition resolved.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: Note document is missing in the file.<br>11/22/2021 - Received Note document & condition resolved. |  |  | Single Family | xx | xx | xx | Primary | Purchase | 770 |  | xx | 0.67 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.492% | Yes | Alternative | QC Complete | 11/10/2021 |
| Q1LNNSFQ1QE | xx | 500_248 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/09/2021 |
| NITRPGFBQCT | xx | 500_252 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Missing Secondary Valuation required for Securitization. both CU risk scores are missing.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | Mid Rise Condo (5-8 Stories) | xx | xx | xx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | Alternative | QC Complete | 11/12/2021 |
| DBI4IRUOUWH | xx | 500_256 |  | xx | Washington | Non-QM/Compliant | Yes | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 732 | 6 | xx | 21.25 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 35.733% |  | Alternative | QC Complete | 12/02/2021 |
| TAYMRY034FC | xx | 500_271 |  | xx | Illinois | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: 5.556% Allowed: 4.420% Over by: +1.136%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | PUD | xx | xx | xx | Primary | Cash Out | 700 | 3.08 | xx | 7.33 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 49.522% |  | Full Documentation | QC Complete | 01/30/2023 |
| YQRD2KDPJFQ | xx | 500_302 |  | xx | California | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide additional secondary valuation document report for the subject property as in the available valuation report AVM confidence score score is 0.39 that is more than the allowable limit.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | 2 Family | xx | xx | xx | Investor | Cash Out | 749 |  | xx | 5 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 7.928% |  | Alternative | QC Complete | 01/31/2023 |
| IFI1HZR4OLV | xx | 500_31 |  | xx | California | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.887% Allowed: 4.640% Over by: +0.247%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 4.887% Allowed: 4.640% Over by: +0.247%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 694 | 28 | xx | 40 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 24.573% |  | Alternative | QC Complete | 01/30/2023 |
| NKECULKDRHG | xx | 500_315 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Missing Secondary Valuation required for Securitization. both CU risk scores are missing.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Cash Out |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | xx |  |  | Alternative | QC Complete | 11/09/2021 |
| 5VSBPN4R2OO | xx | 500_316 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 720 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/26/2021 |
| 2X13UGVG2AW | xx | 500_317 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 732 |  |  |  |  | Mos Reviewed:17<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/09/2021 |
| QPW40PK2U3Z | xx | 500_33 |  | xx | Utah | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM Confidence score > 0.10. Require additional valuation to support the original stated value<br>3/4/2022 - Received CDA (Desk Review) and condition has been resolved<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Initial Loan Estimate is missing in the loan package. Kindly provide initial loan estimate.<br>Resolved 2/17/2022 :- Provided Initial Documents updated.<br>\*\*\* (CURED) Missing Required State Disclosures - EV R<br> COMMENT: List of Servicing Providers document is missing in the loan package. Kindly provide List of Servicing Providers document.<br>02/17/2022 - Received list of service providers & condition resolved. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 728 | 2.83 | xx | 2 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 48.800% |  | Alternative | QC Complete | 02/10/2022 |
| NNSEWUA1KRE | xx | 500_332 |  | xx | Illinois | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL Charged : 5.957% Allowed : 4.560% Overby : +1.397%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | Mid Rise Condo (5-8 Stories) | xx | xx | xx | Primary | Purchase | 774 |  | xx | 11 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.700% | No | Alternative | QC Complete | 01/30/2023 |
| 3BSAPLFQHCX | xx | 500_334 |  | xx | Texas | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Refinance | 788 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/26/2021 |
| L1K124AXMJC | xx | 500_348 |  | xx | Idaho | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal Value - EV R<br> COMMENT: Provide secondary valuation report for the subject property as AVM in the file neither have Confidence score nor appraised value<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 744 | 2.75 | xx |  | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 33.703% |  | Alternative | QC Complete | 01/31/2023 |
| YKVVXE1L5FB | xx | 500_349 |  | xx | Hawaii | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide Secondary valuation as CU risk socre is missing.<br>01/24/2022 - Received AVM as secondary valuation & condition resolved. |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 771 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/24/2021 |
| JGVL211L3EW | xx | 500_353 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM confidence score is greater than 0.10 (CA Value). Provide CDA or similar document.<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | Mid Rise Condo (5-8 Stories) | xx | xx | xx | Investor | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 0.000% | No | Alternative | QC Complete | 11/10/2021 |
| JALTOGM3ZTY | xx | 500_354 |  | xx | Illinois | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  | Yes | Alternative | QC Complete | 11/25/2021 |
| KVTZVDZUO2P | xx | 500_36 |  | xx | Tennessee | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: charged 5.654% allowed 5.120% over by +0.534%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 690 | 12.5 | xx | 14.08 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: | xx | 42.517% |  | Alternative | QC Complete | 01/30/2023 |
| I4TXAL5NZJ4 | xx | 500_367 |  | xx | Florida | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL Charged : 4.913% Allowed : 4.600% Overby : +0.313%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | PUD | xx | xx | xx | Primary | Purchase | 750 |  | xx | 2.33 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.016% | Yes | Alternative | QC Complete | 01/30/2023 |
| PHKLQMA1M0D | xx | 500_374 |  | xx | California | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provide CDA or similar document as provided AVM reflects confidence score as 0.17 which is greater than 0.17 (Vero Value)<br>01/04/2022 - Received CDA as additional valuation & condition resolved. |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 743 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/31/2023 |
| 3NVMHLKZVPS | xx | 500_376 |  | xx | California | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower certification and authorization - EV R<br> COMMENT: Employment authorization expired on 1/8/2022, Need renewed card.<br>03/31/2022 - Received renewed Employment authorization card and condition has been resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.799% Allowed: 4.530% Over by: +0.269%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain<br> disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy<br> higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.799% Allowed: 4.530% Over by: +0.269%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 668 | 25 | xx | 5.5 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 23.522% |  | Alternative | QC Complete | 01/30/2023 |
| W1AZ3DJVAX3 | xx | 500_377 |  | xx | New Jersey | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: "Provide CDA or similar document as value on AVM xx exceeds the value on Appraisal xx by more than 10% on negative side."<br>3/21/2022 - Received CDA as secondary valuation & condition resolved<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: charged 6.278% allowed 4.530% over by +1.748%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 734 | 16 | xx | 17.5 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report | xx | 34.493% |  | Alternative | QC Complete | 01/30/2023 |
| ZGSCCQ4VBDB | xx | 500_389 |  | xx | California | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br>Higher-Priced Mortgage Loan Test FAIL charged 7.100% allowed 4.600% over by +2.500%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 611 | 4.41 | xx | 8.33 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 45.428% |  | Full Documentation | QC Complete | 01/30/2023 |
| TSECNLLF03Y | xx | 500_403 |  | xx | Texas | Non-QM/Compliant | Yes | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Primary | Purchase | 704 |  | xx | 3 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.164% | Yes | Alternative | QC Complete | 02/24/2022 |
| 4ZOYL1J4AXI | xx | 500_405 |  | xx | Nevada | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU risk score is missing.<br>03/10/2022 - Not resolved - Received AVM as additional valuation but variance (11%) & FSD score (0.1770) exceeds the limit.<br>3/29/2022 - Received CDA and condition have been resolved |  |  | Single Family | xx | xx | xx | Investor | Cash Out | 593 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/01/2022 |
| 3J5VQZQTYMJ | xx | 500_406 |  | xx | California | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 802 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/01/2022 |
| JVK2E5I04G0 | xx | 500_409 |  | xx | Utah | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as Both CU scores are missing.<br>03/10/2022 - Not resolved - Received AVM as additional valuation but variance (-15%) exceeds limit.<br>3/29/2022 - Received CDA and condition have been resolved |  |  | Single Family | xx | xx | xx | Primary | Purchase | 678 |  | xx | 2.75 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.397% | No | Full Documentation | QC Complete | 03/04/2022 |
| GSXTUH31DB3 | xx | 500_410 |  | xx | Arizona | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: Last two pages of final 1003 is missing in the file<br>03/31/2022 - Received Final 1003 for both the borrowers but lender loan information section L1 to L4 missing on the file<br>5/20/2022 - Not Resolved - Received Final 1003 but lender loan information section L1 to L4 missing on the file<br>06/15/2022 - Received 1003 with lender loan information section L1 to L4. Hence, condition is resolved. |  |  | PUD | xx | xx | xx | Secondary | Purchase | 689 |  | xx | 5 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.909% | No | Alternative | QC Complete | 02/24/2022 |
| WMNKV5MZVQN | xx | 500_411 |  | xx | Florida | Non-QM/Compliant | Yes | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Credit report showing alert - EV R<br> COMMENT: In current mortgage xx #xx showing 6 30days late payment in credit report. As per guideline (xx Rate Matrix, 1st xxs, 2022 03 23.pdf) none in past 24months.<br>4/21/2022 - Received confirmation from client the 24 month VOM/VOR look back only applies to loans with impounds being waived and this loan does not have an impound waiver so the 24-month look back does not apply and hence condition is resolved. |  |  | PUD | xx | xx | xx | Primary | Cash Out | 693 | 4.75 | xx | 3 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 46.641% |  | Alternative | QC Complete | 01/31/2023 |
| RPBUHAA3VVD | xx | 500_416 |  | xx | Pennsylvania | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 748 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/25/2022 |
| 3KSNKJ2AQ2D | xx | 500_419 |  | xx | Texas | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | Alternative | QC Complete | 02/25/2022 |
| 3P11IRFAKZD | xx | 500_42 |  | xx | Maryland | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CU and LCA score is missing in the file. AVM to be ordered.<br>03/10/2022 - Received AVM as additional valuation & condition resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL : charged 5.175% allowed 5.110% over by +0.065%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the MD COMAR higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>MD COMAR Higher-Priced Mortgage Loan Test FAIL : charged 5.175% allowed 5.110% over by +0.065%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13), COMAR 09.03.09.02B(6) |  |  | Single Family | xx | xx | xx | Primary | Purchase | 730 |  | xx | 39 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.887% | Yes | Alternative | QC Complete | 01/30/2023 |
| ZQOVI3EUJRF | xx | 500_421 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU & LCA risk scores are missing. AVM to be ordered<br>03/10/2022 - Received AVM as additional valuation & condition resolved. |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/04/2022 |
| 2KLF3NTFY3V | xx | 500_422 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Cash Out |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | xx |  |  | Alternative | QC Complete | 01/31/2023 |
| 01SNBX50MED | xx | 500_424 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 697 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/04/2022 |
| UV222FUIQUV | xx | 500_427 |  | xx | Utah | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU score is missing. AVM need to be ordered.<br>03/10/2022 - Received AVM as additional valuation & condition resolved. |  |  | Single Family | xx | xx | xx | Investor | Purchase | 714 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/25/2022 |
| 1TZJABCDLLK | xx | 500_429 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Purchase | 643 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/04/2022 |
| AIS5JVKLMMQ | xx | 500_43 |  | xx | California | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Value on AVM is more 10% on negative side than appraisal. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved.<br>\*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL Charged 5.918% 5.460% +0.458%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL Charged 5.918% 5.460% +0.458%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 709 | 1 | xx | 10 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 11.113% |  | Alternative | QC Complete | 01/30/2023 |
| TMEO3V2TLOZ | xx | 500_430 |  | xx | Texas | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | xx | xx | Investor | Purchase | 658 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/04/2022 |
| F3KCBYCMIP2 | xx | 500_431 |  | xx | Washington | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID Violation due to Appraisal fee increased in Initial CD dated 03/22/2022. Revised LE dated 03/18/2022 reflects Appraisal fee $850.00, however, Initial CD dated 03/22/2022 reflects the Appraisal fee $950.00.<br> This is a fee increase of $100.00 for a Non-Shoppable Fee which exceeds the 0% tolerance, valid COC required.<br>Resolved 6/10/2022 : Received PCCD with cure amount of $100.00 and updated, hence conditions cleared.<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: As per Hazard insurgence dwelling amount not covering the loan amount.. Loan Amount xx and Estimate cost as per appraisal xx and Dwelling coverage xx<br> Hence we need Replacement cost estimate copy and new Insurance copy<br>4/21/2022 - Received Replacement cost estimator document and condition is resolved |  |  | PUD | xx | xx | xx | Primary | Refinance | 755 | 0.76 | xx | 12 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.140% |  | Full Documentation | QC Complete | 04/05/2022 |
| OGFA1TTJYGC | xx | 500_433 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling coverage is xx and loan amount is xx. Need Updated HO6 policy or Replacement cost to cover the loan amount<br>5/9/2022 - Received confirmation from client that subject is a condo with bare walls coverage so the master policy would include the actual structural coverage while the HO-6 policy that has additional dwelling coverage for the interior fixtures and finishings. Hence condition is resolved. |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 708 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/31/2023 |
| NXAJY2HTWBE | xx | 500_436 |  | xx | Nevada | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Manufactured Housing | xx | xx | xx | Investor | Purchase | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/01/2022 |
| O4KQCEUT15I | xx | 500_441 |  | xx | California | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: CDA to be ordered as value on AVM is more than 10% on negative side than appraisal.<br>04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | Single Family | xx | xx | xx | Primary | Cash Out | 735 | 14 |  |  | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx | 37.621% |  | Full Documentation | QC Complete | 04/05/2022 |
| ZQDUOXAD4J1 | xx | 500_442 |  | xx | Utah | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Fail Charged: 5.676% Allowed: 4.740% Over by: +0.936%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | PUD | xx | xx | xx | Primary | Cash Out | 760 | 0.08 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 01/30/2023 |
| 0QXNM4HXALB | xx | 500_447 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Confidence score on AVM 0.19 is exceeding guidelines. CDA to be ordered<br>05/09/2022 - Received CDA. Hence, condition is resolved. |  |  | Single Family | xx | xx | xx | Investor | Refinance | 683 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 01/31/2023 |
| IGCKVO50FSR | xx | 500_451 |  | xx | South Carolina | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Please provide secondary valuation <br> AVM present in the loan package the confidence score is 0.5% , CDA to be ordered<br>04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | High Rise Condo (>=9 Stories) | xx | xx | xx | Investor | Purchase | 697 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/06/2022 |
| 4VOXKAACKTN | xx | 500_455 |  | xx | Florida | Non-QM/Compliant | Yes | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 7.246% Allowed: 5.490% Over By : +1.756%<br>Resolved : HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | Single Family | xx | xx | xx | Primary | Purchase | 668 |  | xx | 12 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.958% | Yes | Alternative | QC Complete | 01/30/2023 |
| 1CIM1MYEW3Q | xx | 500_457 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Both CU risk scores are missing in the file. AVM to be ordered<br>05/16/2022 - Received CDA. Hence, condition is resolved. |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 706 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/07/2022 |
| XN3SOFU2V1U | xx | 500_458 |  | xx | Florida | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Both CU/LCA score is missing in the loan file. The AVM Secondary Valuation document from CA Neighborhood Value Range in file page#441 missing the original stated value and Confidence score. Require Updated AVM with all the details. CDA to be ordered.<br>04/27/2022 - Received CDA. Hence, condition is resolved. |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Purchase | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 01/31/2023 |
| TXSVT3BTEJK | xx | 500_473 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | xx | xx | Investor | Cash Out | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 11/26/2021 |
| I0SYM3MZKH2 | xx | 500_477 |  | xx | Maryland | Not Covered/Exempt | No | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: CU Score is missing. AVM to be ordered.<br>04/07/2022 - Received AVM. Hence, condition is resolved. |  |  | 2 Family | xx | xx | xx | Investor | Cash Out | 734 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xx |  |  | Alternative | QC Complete | 03/29/2022 |
| KNTSOJVAVFW | xx | 500_74 |  | xx | California | Non-QM/Compliant | Yes | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The Credit LOX is missing - EV R<br> COMMENT: Provide a letter of explanation for following credit inquiries reported on credit report.<br>xx - 07/26/21<br> xx - 06/15/21<br> xx - 06/04/21 <br> xx - 05/25/21<br> xx - 05/25/21<br> xx - 05/25/21<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Unable to verify Co-Borrower income of xx per month. Please provide supporting documentation to support income.<br>10/11/2021 - Received updated UW worksheet & Final 1003 page 2, without borrower 2 income. This resolves the condition. |  |  | PUD | xx | xx | xx | Primary | Purchase | 682 |  | xx | 20 | xx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.180% | Yes | Alternative | QC Complete | 01/31/2023 |
| LC15SWXUFVP | xx | 500_88 |  | xx | Florida | Not Covered/Exempt | No | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | xx | xx | Investor | Refinance |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  |  | Alternative | QC Complete | 01/31/2023 |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 01SNBX50MED | xx | 500_424 | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 0KPHYCELDQS | xx | 500_213 | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 0QXNM4HXALB | xx | 500_447 | xx | Florida | xx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 1CIM1MYEW3Q | xx | 500_457 | xx | Florida | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 1TZJABCDLLK | xx | 500_429 | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 2KLF3NTFY3V | xx | 500_422 | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 2X13UGVG2AW | xx | 500_317 | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 3BSAPLFQHCX | xx | 500_334 | xx | Texas | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 3J5VQZQTYMJ | xx | 500_406 | xx | California | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 3KSNKJ2AQ2D | xx | 500_419 | xx | Texas | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 3NVMHLKZVPS | xx | 500_376 | xx | California | xx | Primary | Cash Out A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| 3P11IRFAKZD | xx | 500_42 | xx | Maryland | xx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CA | RB | RA | VD | VA |
| 4EFACIUROIU | xx | 500_173 | xx | Maryland | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 4VOXKAACKTN | xx | 500_455 | xx | Florida | xx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 4ZOYL1J4AXI | xx | 500_405 | xx | Nevada | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 5VSBPN4R2OO | xx | 500_316 | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| AIS5JVKLMMQ | xx | 500_43 | xx | California | xx | Primary | Cash Out A | A D | B | A D | B | A D | B | A D | B | A D CA | RB | RA | VD | VA |
| DBI4IRUOUWH | xx | 500_256 | xx | Washington | xx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| F3KCBYCMIP2 | xx | 500_431 | xx | Washington | xx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VA | VA |
| FMNR1FOVIRL | xx | 500_239 | xx | Florida | xx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VA | VA |
| GSXTUH31DB3 | xx | 500_410 | xx | Arizona | xx | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| I0SYM3MZKH2 | xx | 500_477 | xx | Maryland | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| I4TXAL5NZJ4 | xx | 500_367 | xx | Florida | xx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| IFI1HZR4OLV | xx | 500_31 | xx | California | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| IGCKVO50FSR | xx | 500_451 | xx | South Carolina | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| JALTOGM3ZTY | xx | 500_354 | xx | Illinois | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| JGVL211L3EW | xx | 500_353 | xx | Florida | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| JVK2E5I04G0 | xx | 500_409 | xx | Utah | xx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| KNTSOJVAVFW | xx | 500_74 | xx | California | xx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| KVTZVDZUO2P | xx | 500_36 | xx | Tennessee | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| L1K124AXMJC | xx | 500_348 | xx | Idaho | xx | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| LC15SWXUFVP | xx | 500_88 | xx | Florida | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| NITRPGFBQCT | xx | 500_252 | xx | Florida | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| NKECULKDRHG | xx | 500_315 | xx | Florida | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| NNSEWUA1KRE | xx | 500_332 | xx | Illinois | xx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| NXAJY2HTWBE | xx | 500_436 | xx | Nevada | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| O4KQCEUT15I | xx | 500_441 | xx | California | xx | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| OGFA1TTJYGC | xx | 500_433 | xx | Florida | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| PHKLQMA1M0D | xx | 500_374 | xx | California | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| Q1LNNSFQ1QE | xx | 500_248 | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| QPW40PK2U3Z | xx | 500_33 | xx | Utah | xx | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VD | VA |
| RPBUHAA3VVD | xx | 500_416 | xx | Pennsylvania | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| TAYMRY034FC | xx | 500_271 | xx | Illinois | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| TMEO3V2TLOZ | xx | 500_430 | xx | Texas | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| TSECNLLF03Y | xx | 500_403 | xx | Texas | xx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| TXSVT3BTEJK | xx | 500_473 | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| UV222FUIQUV | xx | 500_427 | xx | Utah | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| W1AZ3DJVAX3 | xx | 500_377 | xx | New Jersey | xx | Primary | Cash Out A | A D | B | A D | B | A D | B | A D | B | A D CA | RB | RA | VD | VA |
| WMNKV5MZVQN | xx | 500_411 | xx | Florida | xx | Primary | Cash Out A | A C | A | A C | A | A C | A | A C | A | A C CC CA | RA | RA | VA | VA |
| XN3SOFU2V1U | xx | 500_458 | xx | Florida | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| XWA053TQV54 | xx | 500_212 | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| YKVVXE1L5FB | xx | 500_349 | xx | Hawaii | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| YQRD2KDPJFQ | xx | 500_302 | xx | California | xx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| ZGSCCQ4VBDB | xx | 500_389 | xx | California | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| ZQDUOXAD4J1 | xx | 500_442 | xx | Utah | xx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| ZQOVI3EUJRF | xx | 500_421 | xx | Florida | xx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |

---

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Scienna ID** | **Customer Loan #** | **Redacted ID** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| IFI1HZR4OLV | xx | 500_31 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 10.060% | xx | 0.08 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| QPW40PK2U3Z | xx | 500_33 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.238% | xx | 0.18 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| KVTZVDZUO2P | xx | 500_36 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -0.400% | xx | 0.09 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3P11IRFAKZD | xx | 500_42 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -5.431% | xx | 0.043 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| AIS5JVKLMMQ | xx | 500_43 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -23.993% | xx | 0.12 | xx | xx | xx | -6.627% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| KNTSOJVAVFW | xx | 500_74 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -1.182% | xx | 0.053 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| LC15SWXUFVP | xx | 500_88 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 6.000% | xx | 0.07 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 4EFACIUROIU | xx | 500_173 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.017% | xx |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.5 |
| XWA053TQV54 | xx | 500_212 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -0.179% | xx | 0.08 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 0KPHYCELDQS | xx | 500_213 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.429% | xx | 0.02 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| FMNR1FOVIRL | xx | 500_239 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 16.737% | xx | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| Q1LNNSFQ1QE | xx | 500_248 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | -2.222% | xx | 0.07 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.8 |
| NITRPGFBQCT | xx | 500_252 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| DBI4IRUOUWH | xx | 500_256 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -0.905% | xx | 0.04 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| TAYMRY034FC | xx | 500_271 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -1.036% | xx | 0.03 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| YQRD2KDPJFQ | xx | 500_302 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property | xx | xx | 11.501% | xx | 0.39 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| NKECULKDRHG | xx | 500_315 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 5VSBPN4R2OO | xx | 500_316 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -34.308% | xx | 0.11 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 2X13UGVG2AW | xx | 500_317 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | -22.222% | xx | 0.16 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1 |
| NNSEWUA1KRE | xx | 500_332 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 13.678% | xx | 0.033 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3BSAPLFQHCX | xx | 500_334 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -8.411% | xx | 0.06 | xx | xx | xx | -6.547% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| L1K124AXMJC | xx | 500_348 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| YKVVXE1L5FB | xx | 500_349 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 1.814% | xx | 0.044 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| JGVL211L3EW | xx | 500_353 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | -22.788% | xx | 0.16 | xx | xx | xx | -3.636% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| JALTOGM3ZTY | xx | 500_354 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | xx | 10.526% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| I4TXAL5NZJ4 | xx | 500_367 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -6.548% | xx | 0.03 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| PHKLQMA1M0D | xx | 500_374 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -4.848% | xx | 0.17 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 3NVMHLKZVPS | xx | 500_376 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 3.067% | xx | 0.11 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| W1AZ3DJVAX3 | xx | 500_377 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -23.125% | xx | 0.1 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| ZGSCCQ4VBDB | xx | 500_389 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -1.250% | xx | 0.05 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1 |
| TSECNLLF03Y | xx | 500_403 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 1.266% | xx | 0.04 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4ZOYL1J4AXI | xx | 500_405 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 11.397% | xx | 0.177 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3J5VQZQTYMJ | xx | 500_406 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -1.240% | xx | 0.05 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| JVK2E5I04G0 | xx | 500_409 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -15.226% | xx | 0.046 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| GSXTUH31DB3 | xx | 500_410 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -3.582% | xx | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| WMNKV5MZVQN | xx | 500_411 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 8.212% | xx | 0.09 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| RPBUHAA3VVD | xx | 500_416 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.519% | xx | 0.08 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 3KSNKJ2AQ2D | xx | 500_419 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -2.660% | xx | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| ZQOVI3EUJRF | xx | 500_421 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 8.280% | xx | 0.109 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 2KLF3NTFY3V | xx | 500_422 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -7.252% | xx | 0.05 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 01SNBX50MED | xx | 500_424 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -6.333% | xx | 0.091 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| UV222FUIQUV | xx | 500_427 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 7.801% | xx | 0.03 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1TZJABCDLLK | xx | 500_429 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 0.903% | xx | 0.04 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| TMEO3V2TLOZ | xx | 500_430 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 1.1 |
| F3KCBYCMIP2 | xx | 500_431 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | 6.574% | xx | 0.15 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| OGFA1TTJYGC | xx | 500_433 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 1.796% | xx | 0.06 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| NXAJY2HTWBE | xx | 500_436 |  | xx | xx | xx | xx | xx | xx | 1004C Manufactured Home | xx | xx | 0.943% | xx | 0.02 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| O4KQCEUT15I | xx | 500_441 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -30.105% | xx | 0.1 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| ZQDUOXAD4J1 | xx | 500_442 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| 0QXNM4HXALB | xx | 500_447 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -0.129% | xx | 0.19 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| IGCKVO50FSR | xx | 500_451 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | xx | xx | 21.918% | xx | 0.5 | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 4VOXKAACKTN | xx | 500_455 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal | xx | xx | -3.085% | xx | 0.09 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 1CIM1MYEW3Q | xx | 500_457 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums |  |  |  |  |  |  | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XN3SOFU2V1U | xx | 500_458 |  | xx | xx | xx | xx | xx | xx | 1073 Condominiums | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | xx | xx | $0.00 | 0.000% | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| TXSVT3BTEJK | xx | 500_473 |  | xx | xx | Not Applicable | xx | xx | xx | 1073 Condominiums | xx | xx | 7.025% | xx | 0.091 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| I0SYM3MZKH2 | xx | 500_477 |  | xx | xx | Not Applicable | xx | xx | xx | 1025 2-4 Family Property | xx | xx | 30.343% | xx | 0.091 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |

---

## Exhibit 99.6

**Tape Discrepancies**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna Id** | **Loan #1** | **Redacted ID** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| QPW40PK2U3Z | xx | 500_33 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx | Initial |  |
| QPW40PK2U3Z | xx | 500_33 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| KVTZVDZUO2P | xx | 500_36 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| KVTZVDZUO2P | xx | 500_36 |  | Property County | xx | xx |  |  | Mortgage dated xx reflects Property County as xx. | Initial |  |
| 3P11IRFAKZD | xx | 500_42 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx | Initial |  |
| 3P11IRFAKZD | xx | 500_42 |  | Original Appraisal Date | xx | xx | xx (Days) |  | The Appraisal reflects the appraisal date as xx | Initial |  |
| KNTSOJVAVFW | xx | 500_74 |  | Borrower DTI Ratio Percent | 29.180% | 21.230% | 7.950% | 7.95000% | Total subject property PITIA (P&I xx + Real Estate Taxes $1770.83 + Hazard Insurance $219.25 + Flood Insurance $0.00 + MI $0.00 + HOA Dues xx) equals $9690.65 and monthly other debts equals $1106 . Total verified monthly income equals $37000. Borrower DTI ratio equals 29.17%. | Initial |  |
| 4EFACIUROIU | xx | 500_173 |  | Debt Service Coverage Ratio (DSCR) | 1.09 | 1.10 | -0.01 | -0.90909% | Monthly market rent of the subject property as per Appraisal is $2700 and Subject property PITIA = xx = 2700/2465.91 = 1.09 | Initial |  |
| XWA053TQV54 | xx | 500_212 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | Final Application reflects B1 Citizenship Status as Foreign National. | Initial |  |
| XWA053TQV54 | xx | 500_212 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| FMNR1FOVIRL | xx | 500_239 |  | Borrower DTI Ratio Percent | 26.492% | 40.860% | -14.368% | -14.36800% | Total subject property PITIA (P&I xx + Real Estate Taxes $3329.32 + Hazard Insurance $558 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $xx) equals $11306.70 and monthly other debts equals $1914 . Total verified monthly income equals $49905.27 . Borrower DTI ratio equals 26.49%. | Initial |  |
| FMNR1FOVIRL | xx | 500_239 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx | Initial |  |
| Q1LNNSFQ1QE | xx | 500_248 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| NITRPGFBQCT | xx | 500_252 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| DBI4IRUOUWH | xx | 500_256 |  | Appraisal #2 Appraisal Date | xx | xx | xx (Days) |  | The Appraisal #2 reflects the Appraisal date as xx. | Initial |  |
| DBI4IRUOUWH | xx | 500_256 |  | Appraisal #2 Appraised Value | xx | xx | xx | xx | The Appraisal #2 dated xx reflects the Appraised value as xx. | Initial |  |
| TAYMRY034FC | xx | 500_271 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| TAYMRY034FC | xx | 500_271 |  | Subject Property Detached/Attached | Attached | Detached |  |  | The Appraisal dated xx reflects the subject property as Attached. | Initial |  |
| YQRD2KDPJFQ | xx | 500_302 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx | Initial |  |
| NKECULKDRHG | xx | 500_315 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | Final Application reflects B1 Citizenship Status as Foreign National. | Initial |  |
| NKECULKDRHG | xx | 500_315 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| NKECULKDRHG | xx | 500_315 |  | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | The Appraisal dated xx reflects the subject property as a High Rise Condo | Initial |  |
| 2X13UGVG2AW | xx | 500_317 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| NNSEWUA1KRE | xx | 500_332 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx. | Initial |  |
| 3BSAPLFQHCX | xx | 500_334 |  | Income B1 U/W | Not Applicable | xx |  |  | Loan is qualified with DSCR program. | Initial |  |
| 3BSAPLFQHCX | xx | 500_334 |  | Original CLTV Ratio Percent | xx | xx | xx | xx | Collateral Value used for Underwriting: xx Amount of Secondary Lien(s): $0.00. Loan Amount: xx CLTV =xx | Initial |  |
| 3BSAPLFQHCX | xx | 500_334 |  | Original Standard LTV (OLTV) | xx | xx | xx | xx | Collateral Value used for Underwriting: xx. Loan Amount: xx LTV = xx. | Initial |  |
| L1K124AXMJC | xx | 500_348 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx | Initial |  |
| JGVL211L3EW | xx | 500_353 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| W1AZ3DJVAX3 | xx | 500_377 |  | Borrower DTI Ratio Percent | 34.493% | 40.340% | -5.847% | -5.84700% | Total subject property PITIA (P&I xx + Real Estate Taxes $981.33 + Hazard Insurance $107.83 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $xxx) equals $3775.15 and monthly other debts equals $364 . Total verified monthly income equals $12000.00. Borrower DTI ratio equals 34.49%. | Initial |  |
| W1AZ3DJVAX3 | xx | 500_377 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| TSECNLLF03Y | xx | 500_403 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx | Initial |  |
| JVK2E5I04G0 | xx | 500_409 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| WMNKV5MZVQN | xx | 500_411 |  | Income B1 U/W | xx | xx | xx | xx | The Income documents submitted support Borrower's monthly qualifying income as xx | Initial |  |
| WMNKV5MZVQN | xx | 500_411 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| RPBUHAA3VVD | xx | 500_416 |  | Subject Property Detached/Attached | Detached | Attached |  |  | The Appraisal dated xx reflects the subject property as Detached (Semi-detached) | Initial |  |
| 3KSNKJ2AQ2D | xx | 500_419 |  | B1 Citizenship Status | Foreign National | Non-Resident Alien |  |  | Final Application reflects B1 Citizenship Status as Foreign National. | Initial |  |
| 2KLF3NTFY3V | xx | 500_422 |  | Original CLTV Ratio Percent | xx | xx | xx | xx | Collateral Value used for Underwriting: xx Amount of Secondary Lien(s): $0.00. Loan Amount: xx CLTV = xx. | Initial |  |
| 2KLF3NTFY3V | xx | 500_422 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| 2KLF3NTFY3V | xx | 500_422 |  | Original Standard LTV (OLTV) | xx | xx | xx | xx | Collateral Value used for Underwriting: xx Loan Amount: xx LTV = xx. | Initial |  |
| 01SNBX50MED | xx | 500_424 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| UV222FUIQUV | xx | 500_427 |  | Original Appraised Value | xx | xx | xx | xx | The Appraisal dated xx reflects the Original Appraised value as xx | Initial |  |
| UV222FUIQUV | xx | 500_427 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| F3KCBYCMIP2 | xx | 500_431 |  | Borrower DTI Ratio Percent | 34.140% | 28.420% | 5.720% | 5.72000% | Total subject property PITIA (P&I xx + Real Estate Taxes $121.77 + Hazard Insurance $76.59 + Flood Insurance $0.00 + MI $0.00 + HOA Dues xx) equals $2553.57 and monthly other debts equals $204. Total verified monthly income equals $8077.34 . Borrower DTI ratio equals 34.14%. | Initial |  |
| F3KCBYCMIP2 | xx | 500_431 |  | Income B1 U/W | xx | xx | xx | xx | "The Income documents submitted support Borrower's monthly qualifying income as xx " | Initial |  |
| NXAJY2HTWBE | xx | 500_436 |  | Subject Property Type | Manufactured Housing | PUD |  |  | The Appraisal dated xx reflects the subject property as a Manufactured Home | Initial |  |
| ZQDUOXAD4J1 | xx | 500_442 |  | Original CLTV Ratio Percent | xx | xx | xx | xx | Collateral Value used for Underwriting: xx Amount of Secondary Lien(s): $0.00 Loan Amount: xx CLTV = xx. | Initial |  |
| ZQDUOXAD4J1 | xx | 500_442 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| ZQDUOXAD4J1 | xx | 500_442 |  | Original Standard LTV (OLTV) | xx | xx | xx | xx | Collateral Value used for Underwriting: xx Loan Amount: xx LTV = xx. | Initial |  |
| 0QXNM4HXALB | xx | 500_447 |  | Income B1 U/W | Not Applicable | xx |  |  | Loan is qualified with DSCR program. | Initial |  |
| IGCKVO50FSR | xx | 500_451 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx. | Initial |  |
| XN3SOFU2V1U | xx | 500_458 |  | Property County | xx | xx |  |  | Mortgage dated xx reflects Property County as xx | Initial |  |
| TXSVT3BTEJK | xx | 500_473 |  | Original Balance (or Line Amount) | xx | xx | xx | xx | The Note reflects the Original Balance as xx | Initial |  |
| TXSVT3BTEJK | xx | 500_473 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |
| I0SYM3MZKH2 | xx | 500_477 |  | Original Note Doc Date | xx | xx | xx (Days) |  | The Note reflects the Original Note Doc Date as xx | Initial |  |

---

## Exhibit 99.6

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Lender Loan Identifier** | **Redacted ID** | **Entity Holding Title** | **B1 Citizenship Status** | **B2 Citizenship Status** | **Documentation Type (mTrade)** |
| xx | 500_424 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_213 | Individual | Non-Resident Alien | Not Applicable | DSCR |
| xx | 500_447 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_457 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_429 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_422 | Individual | Foreign National | Not Applicable | DSCR |
| xx | 500_317 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_334 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_406 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_419 | Individual | Foreign National | Not Applicable | DSCR |
| xx | 500_376 | Individual | Permanent Res Alien | Not Applicable | 12 Mo Bank Statement |
| xx | 500_42 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_173 | Individual | Non-Resident Alien | Not Applicable | DSCR |
| xx | 500_455 | Individual | Non-Resident Alien | Not Applicable | 12 Mo Bank Statement |
| xx | 500_405 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_316 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_43 | Individual | Non-Resident Alien | Not Applicable | 12 Mo Bank Statement |
| xx | 500_256 | Individual | Non-Resident Alien | Non-Resident Alien | 12 Mo Bank Statement |
| xx | 500_431 | Individual | Non-Resident Alien | Non-Resident Alien | Full Documentation |
| xx | 500_239 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_410 | Individual | US Citizen | US Citizen | 12 Mo Bank Statement |
| xx | 500_477 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_367 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_31 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_451 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_354 | Individual | Permanent Res Alien | Not Applicable | DSCR |
| xx | 500_353 | Individual | US Citizen | US Citizen | DSCR |
| xx | 500_409 | Individual | Non-Resident Alien | Not Applicable | Full Documentation |
| xx | 500_74 | Individual | US Citizen | US Citizen | 12 Mo Bank Statement |
| xx | 500_36 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_348 | Individual | US Citizen | US Citizen | 12 Mo Bank Statement |
| xx | 500_88 | Individual | Foreign National | Not Applicable | DSCR |
| xx | 500_252 | Individual | Non-Resident Alien | Non-Resident Alien | DSCR |
| xx | 500_315 | Individual | Foreign National | Not Applicable | DSCR |
| xx | 500_332 | Individual | US Citizen | Not Applicable | 3 Mo Bank Statement |
| xx | 500_436 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_441 | Individual | US Citizen | US Citizen | SSN or VA Award Letter |
| xx | 500_433 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_374 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_248 | Individual | US Citizen | US Citizen | DSCR |
| xx | 500_33 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_416 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_271 | Individual | Non-Resident Alien | Not Applicable | Full Documentation |
| xx | 500_430 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_403 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_473 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_427 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_377 | Individual | Non-Resident Alien | Not Applicable | 12 Mo Bank Statement |
| xx | 500_411 | Individual | US Citizen | Permanent Res Alien | 12 Mo Bank Statement |
| xx | 500_458 | Individual | US Citizen | US Citizen | DSCR |
| xx | 500_212 | Individual | Foreign National | Not Applicable | DSCR |
| xx | 500_349 | Individual | US Citizen | Not Applicable | DSCR |
| xx | 500_302 | Individual | US Citizen | Not Applicable | 12 Mo Bank Statement |
| xx | 500_389 | Individual | US Citizen | Not Applicable | Full Documentation |
| xx | 500_442 | Individual | US Citizen | Not Applicable | Asset Utilization |
| xx | 500_421 | Individual | US Citizen | Not Applicable | DSCR |

---

## Exhibit 99.7

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from August 2019 to August 2019 and were collateralized by residential real estate and small balance commercial properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by Loan Funding Structure III LLC (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 6 Loans selected by the Client to include in BRAVO 2023-NQM2 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 6 Loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;DTI |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |

---

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 1

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

The following represents the discrepancies from all 61 loans by field name and as a percentage of the total number of loans.

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated, and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the appraisal include a statement of assumptions
and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 3

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that may have been utilized to support the institution's
decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient explanation provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For the Three (3) business purpose loans no compliance testing was completed, and a compliance grade of "A" was assigned.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 3.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer Handbook on Adjustable
Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced Mortgage Loans
(1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43%

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

● Contain a valid and approved AUS

● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

● (i) The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

● (ii) If the creditor relies on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

● (iii) The consumer's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 4

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

● (iv) The consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

● (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 in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer's credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan Estimate ("LE")

● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final Closing Disclosure ("CD")

● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

● Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Fee and Tolerance Testing - Zero and ten percent (10.0%)
tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Evidence Service Provider List and Your Home Loan Toolkit,
if applicable, were provided or present in the loan file

o LE and CD form(s) provided to the borrower are consistent
across the loan process

o NMLS ID is present on the loan application, note, security
instrument, LE and CD, as applicable

o Items not tested, include but are not limited to:

● Categorization of fees in the appropriate section

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State High-cost and Predatory
lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal Credit Opportunity Act

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 5

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

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 6

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

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Adjustable-Rate Mortgage | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;**3** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;PUD Detached | &nbsp;&nbsp;**3** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> BRAVO 2023-NQM2 <br> pg. 9

## Exhibit 99.7

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Loan Status** | **Final Overall Event Level** | **Final Credit Event Level** | **Final Compliance Event Level** | **Final Property Event Level** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** | **Immaterial/Waived** | **Lender Commentary** | **Cleared Exceptions** | **Exceptions** |
| 500_466 | 500_466 | Securitized | 1 | 1 | 1 | 1 |  |  |  | Established credit history - 31 years depth of credit with mid score of 727; |  |  |  |  |
| 500_7 | 500_7 | Securitized | 1 | 1 | 1 | 1 |  |  |  | Established credit history - 16 years depth of credit with mid scores of 719 and 546; |  |  |  |  |
| 500_52 | 500_52 | Securitized | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 500_6 | 500_6 | Securitized | 1 | 1 | 1 | 1 |  |  |  | Established credit history - 27 years depth of credit with mid score of 802; |  |  |  |  |
| 500_8 | 500_8 | Securitized | 3 | 2 | 1 | 3 |  |  | PROP 0003 Missing Required Property Inspection - Missing complete 442 Final inspection and final COO. Needs a pre-sod inspection before the city will issue a final. Sod, Tree and sprinkler were not included with contact. Borrower to complete. Temporary COO in file. | Minimal outstanding debt - 15 years depth of credit with mid scores of 625 and 639; | HAZ 0004 Hazard Insurance Coverage Amount is Insufficient - Hazard deductible of 3% exceeds the max allowed of 1%. - Lender acknowledged exception for 3% deductible. |  |  | PROP 0003 Missing Required Property Inspection - Missing complete 442 Final inspection and final COO. Needs a pre-sod inspection before the city will issue a final. Sod, Tree and sprinkler were not included with contact. Borrower to complete. Temporary COO in file. |
| 500_9 | 500_9 | Securitized | 1 | 1 | 1 | 1 |  |  |  | Established credit history - B#1 25 years depth of credit with mid score of 808<br> B#2 20 years depth of credit with mids core of 617; |  |  |  |  |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Exception ID** | **Exception ID Date** | **Condition Category** | **Condition Standardized Description** | **Condition ID** | **Alternative Condition Grade** | **Status** | **Condition Custom Description** | **Cleared Date** | **Compensating Factors** | **Lender Response** | **Comments** | **Loan Status** |
| 500_8 | 500_8 | 518529 | 08/05/2019 | Property | Missing Required Property Inspection | PROP 0003 | 3 | Open | Missing complete 442 Final inspection and final COO. Needs a pre-sod inspection before the city will issue a final. Sod, Tree and sprinkler were not included with contact. Borrower to complete. Temporary COO in file. |  | Minimal outstanding debt - 15 years depth of credit with mid scores of 625 and 639 |  |  | Securitized C |
| 500_8 | 500_8 | 518770 | 08/06/2019 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 2 | Acknowledged | Hazard deductible of 3% exceeds the max allowed of 1%. |  | Minimal outstanding debt - 15 years depth of credit with mid scores of 625 and 639 |  | Client: Lender acknowledged exception for 3% deductible. | Securitized C B |

---

## Exhibit 99.7

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **State** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
| 500_466 | 500_466 | 1 A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 500_7 | 500_7 | 1 C A | FL | 1 | Purchase | Non-QM / Compliant |
| 500_52 | 500_52 | 1 A | FL | 1 | Purchase | Not Covered / Exempt |
| 500_6 | 500_6 | 1 A | FL | 1 | Purchase | Not Covered / Exempt |
| 500_8 | 500_8 | 3 C B A | IL | 1 | Purchase | Non-QM / Compliant |
| 500_9 | 500_9 | 1 A | VA | 1 | Purchase | Non-QM / Compliant |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** |
| 500_466 | 500_466 | 1 A | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | 5/1 or 5/6 mos. ARM | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | 6.869% | XXXX |  |  |  | US Citizen |  |  |  | 6.125% | 0.0462 |
| 500_7 | 500_7 | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XXXX | 43.9100 | 43.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 6.28% | XXXX | XXXX |  |  | US Citizen | US Citizen |  |  | 6.125% | 0.0439 |
| 500_52 | 500_52 | 1 A | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | 5/1 or 5/6 mos. ARM | XXXX |  |  |  |  |  | XXXX | XXXX |  | 0.0% | XXXX | XXXX |  |  | Foreign National | Foreign National |  |  | 5.875% |  |
| 500_6 | 500_6 | 1 A | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Fixed Rate | XXXX | 15.8100 | 15.81% |  |  | XXXX | XXXX | XXXX |  | 6.228% | XXXX |  |  |  | US Citizen |  |  |  | 5.999% |  |
| 500_8 | 500_8 | 3 C | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XXXX | 21.0000 | 21.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 6.794% | XXXX | XXXX |  |  | US Citizen | US Citizen |  |  | 6.625% | 0.0434 |
| 500_9 | 500_9 | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1500 | 44.15% |  |  | XXXX | XXXX | XXXX |  | 6.473% | XXXX | XXXX |  |  | US Citizen | US Citizen |  |  | 6.25% |  |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 |
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** | **Borrower 3 Employment Verification** | **Borrower 4 Employment Verification** | **Occupancy** | **Most Recent Pay History** | **Credit-based Modification Flag** | **Type of Modification** | **Modification Term** | **Servicing Transfer Date** | **Third Borrower Original FICO: Equifax** | **Third Borrower Original FICO: Experian** | **Third Borrower Original FICO: TransUnion** | **Third Borrower Original FICO Score** | **Third Borrower Original Score Date** | **Most Recent Fico Score _Updated_Current_Borrower 3** | **Most Recent Fico Score Date Current_Updated_Borrower 3** | **Fourth Borrower Original FICO: Equifax** | **Fourth Borrower Original FICO: Experian** | **Fourth Borrower Original FICO: TransUnion** | **Fourth Borrower Original Score** | **Fourth Borrower Original Score Date** | **Most Recent Fico Score _Updated Current_Borrower 4** | **Most Recent Fico Score Date_Updated_Current_Borrower 4** | **Primary Borrower Updated_Current FICO: Equifax** | **Primary Borrower Updated_Current FICO: Experian** | **Primary Borrower Updated_Current FICO: TransUnion** | **Most Recent FICO Score_Updated_Current_Primary Borrower** | **Most Recent FICO Score Date_Updated_Current_Primary Borrower** | **Secondary Borrower Updated_Current FICO: Equifax** | **Secondary Borrower Updated_Current FICO: Experian** | **Secondary Borrower Updated_Current FICO: TransUnion** | **Most Recent FICO Score_Updated_Current_Secondary Borrower** | **Most Recent FICO Score Date_Updated_Current_Secondary Borrower** | **FN Alternative Credit Documentation** | **UW Guideline Author** | **UW Guideline Name** | **UW Guideline Program** | **Correspondent Name** | **Qualifying Credit Score** | **Qualifying Home Value for LTV** | **HOA Flag** | **HOA Monthly Premium Amount** | **Income Doc Source (m) - Bank Statements/Personal** | **Income Doc Source (m) - Bank Statements/Business** | **Income Doc Source (m) - W2** | **Income Doc Source (m) - Tax Returns** | **Income Doc Source (m) - Asset Depletion** | **Income Doc Source (m) - P&L** | **Income Doc Source (m) - Other** | **Asset Verification (d)** | **Borrower 2 Asset Verification (d)** | **Borrower 3 Asset Verification (d)** | **Borrower 4 Asset Verification (d)** | **Borrower 1 Doc Type** | **Borrower 2 Doc Type** | **Borrower 3 Doc Type** | **Borrower 4 Doc Type** | **DSCR Qualification Flag** | **DSCR DTI** | **Actual In-Place Rent (Yr)** | **Third Party Market Rent (Yr)** | **Rent Loss Insurance (m)** | **Recourse** | **Executed NOO Docs In File** | **# Units** | **Lease In Place Flag** | **Borrower Type** | **# Mtg Prop (With Lender)** | **# of Properties** | **Year Built** | **Total Sq Ft** | **Property Condition** | **# Beds** | **# Baths** | **Section 8** | **Acquisition Cost** | **Renovation Cost** | **UW Gross Potential Rent** | **UW Economic Vacancy** | **UW Effective Gross Income** | **UW RE Taxes** | **UW Ins Costs** | **UW Prop Mgmt Fee** | **UW Turnover Costs** | **UW Repairs and Maintenance** | **UW Marketing and Leasing Costs** | **UW Utilities** | **UW Other Costs** | **UW HOA Fees** | **UW Cap Ex Reserve** | **Lease End Date** | **Borrower 1 Name** | **Borrower 2 Name** | **Borrower 3 Name** | **Borrower 4 Name** | **Guarantor 1 Name** | **Guarantor 1 Equifax Score** | **Guarantor 1 Experian Score** | **Guarantor 1 Transunion Score** | **Guarantor 1 Most Recent Tri-Merge Score** | **Guarantor 1 Most Recent Tri-Merge Score Date** | **Guarantor 1 Total Income** | **Guarantor 1 Total Debt** | **Guarantor 2 Name** | **Guarantor 2 Equifax Score** | **Guarantor 2 Experian Score** | **Guarantor 2 Transunion Score** | **Guarantor 2 Most Recent Tri-Merge Score** | **Guarantor 2 Most Recent Tri-Merge Score Date** | **Guarantor 2 Total Income** | **Guarantor 2 Total Debt** | **ACH Payments** | **Tape Cut-Off Date** | **Annual Property Tax** | **Annual Insurance Costs** | **Months Foreclosure** | **ForeClosure Resolution Date** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Bankruptcy Resolution Date** | **Months Deed-in-Lieu** | **Deed-in-Lieu Resolution Date** | **Months Short Sale (or Pre-FC)** | **Short Sale Resolution Date** | **Months Modification** | **Modification Date** | **Prior Mtg/Rent Late (30d in 12m)** | **Prior Mtg/Rent Late (60d in 12m)** | **Prior Mtg/Rent Late (90d in 12m)** | **Life Event LOE** | **Life Event Documented** | **Prior Occupancy Type** | **Number of Prior Credit Events** | **Regulatory Loan Purpose** | **QM - Agency UW Test** | **Non-QM Reason - Product Type** | **Non-QM Reason - DTI Test (> 43 App Q)** | **QM/ATR Exempt Reason** | **TRID Applicable** | **Full SFIG TRID 3.0 Scope Reviewed** | **Collateral Underwriter ("CU") risk score** | **Leasehold Flag** | **U/W Doc Type** | **Originating Lender** | **Verifiable Income Months (Borrower)** | **Verifiable Income Months (Co-Borrower)** | **Verifiable Income Months (Borrower 3)** | **Verifiable Income Months (Borrower 4)** | **Bank Statements Flag** | **Number of Statements** | **Actual # Evaluated** | **Type of Statements** | **Percent of Income From Statements** | **Business Ownership Percentage** | **Expense Ratio** | **Source of Expense Ratio** | **Evidence of associated business account** | **Industry / Occupation** | **Shared Appreciation Option Agreement?** | **Shared Appreciation Option Agreement Provider** | **MERS Loan ID** | **Borrower SSN** | **Co-Borrower SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **Monthly Hazard Insurance** | **Monthly Taxes** | **Entity Name** |
| 500_466 | 500_466 | 1 A | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | 5/1 or 5/6 mos. ARM | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | 6.869% | XXXX |  |  |  | US Citizen |  |  |  | 6.125% | 0.0462 |  |  | Investor Owned |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 727 | XXXX | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.060272 | 13200.00 |  |  |  | Yes | 1 | Yes | Trust |  | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | Business |  |  |  | Investor | No | No |  | No | DSCR | XXXX | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  |  |  | XXXX | XXXX |  |
| 500_7 | 500_7 | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XXXX | 43.9100 | 43.88% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 6.28% | XXXX | XXXX |  |  | US Citizen | US Citizen |  |  | 6.125% | 0.0439 |  |  | Owner Occupied |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX A |  | 717 | XXXX | 1 | XXXX |  |  | 29 |  |  |  |  | 31 |  |  |  |  |  |  |  | No |  |  |  |  |  | No | 1 |  | Individual Name(s) |  | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 040 | XXXX |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 1 | Consumer |  | Y | Y |  | Yes | Yes |  | No | Full | XXXX | 29 | 30 |  |  | No |  |  |  |  |  |  |  |  |  | No |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |
| 500_52 | 500_52 | 1 A | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | 5/1 or 5/6 mos. ARM | XXXX |  |  |  |  |  | XXXX | XXXX |  | 0.0% | XXXX | XXXX |  |  | Foreign National | Foreign National |  |  | 5.875% |  |  |  | Investor Owned |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  |  | XXXX | 1 | XXXX |  |  |  |  |  |  |  | 31 |  |  |  |  |  |  |  | Yes | 1.538669 |  | 48000.00 |  |  | Yes | 1 | No | Individual Name(s) |  | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | Business |  |  |  | Foreign National | No | No |  | No | DSCR | XXXX | 0 | 0 |  |  | No |  |  |  |  |  |  |  |  |  | No |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |
| 500_6 | 500_6 | 1 A | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Fixed Rate | XXXX | 15.8100 | 15.81% |  |  | XXXX | XXXX | XXXX |  | 6.228% | XXXX |  |  |  | US Citizen |  |  |  | 5.999% |  |  |  | Investor Owned |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX A |  | 802 | XXXX | 0 | XXXX |  | 12 |  |  |  |  |  | 31 |  |  |  |  |  |  |  | No |  |  | 19200.00 |  |  | Yes | 1 | No | Individual Name(s) |  | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | Business |  |  |  | Investor | No | No |  | No | 12-mo Bank Statement-Business | XXXX | 12 |  |  |  | Yes | 12 |  | Business | 0.97 |  |  |  |  |  | No |  |  | XXXX |  |  |  | XXXX | XXXX |  |
| 500_8 | 500_8 | 3 C | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XXXX | 21.0000 | 21.00% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 6.794% | XXXX | XXXX |  |  | US Citizen | US Citizen |  |  | 6.625% | 0.0434 |  |  | Owner Occupied |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX B |  | 625 | XXXX | 1 | XXXX |  | 24 |  |  |  |  |  | 31 |  |  |  |  |  |  |  | No |  |  |  |  |  | No | 1 |  | Individual Name(s) |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | Consumer |  | Y | N |  | Yes | Yes |  | No | 24-mo Bank Statement-Business | XXXX | 24 |  |  |  | Yes | 25 |  | Business | 1.00 |  |  |  |  |  | No |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |
| 500_9 | 500_9 | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XXXX | 44.1500 | 44.15% |  |  | XXXX | XXXX | XXXX |  | 6.473% | XXXX | XXXX |  |  | US Citizen | US Citizen |  |  | 6.25% |  |  |  | Owner Occupied |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX B |  | 808 | XXXX | 0 | XXXX |  |  | 28 |  |  |  |  | 120 | 120 |  |  |  |  |  |  | No |  |  |  |  |  | No | 1 |  | Individual Name(s) |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 024 | XXXX |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 1 | Consumer |  | Y | Y |  | Yes | Yes |  | No | Full | XXXX | 28 | 24 |  |  | No |  |  |  |  |  |  |  |  |  | No |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Borrower 3 Foreign National Indicator** | **Borrower 4 Foreign National Indicator** | **Did Borrower Qualify on an ITIN Program?** | **Did Co Borrower Qualify on an ITIN Program?** | **Did Borrower 3 Qualify on an ITIN Program?** | **Did Borrower 4 Qualify on an ITIN Program?** | **Residual Income** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **Non QM DTI** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Income Doc Detail** | **Tax Return Doc Details** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late (30d in 12m)** | **Prior Mortgage/Rent Late (60d in 12m)** | **Prior Mortgage/Rent Late (90d in 12m)** | **Guideline Name** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Non-Warrantable Condominium?** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** |
| 500_466 | 500_466 | Not Covered / Exempt | XXXX | No | XXXX |  |  | XXXX | 6.869% | 6.125% | XXXX |  | US Citizen |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  | 0.00% |  | No | No |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | XXXX |  | XXXX |  | Unknown | 0.0462 | 0 |  |  |  |  |
| 500_7 | 500_7 | Non-QM / Compliant | XXXX | Yes | XXXX |  |  | XXXX | 6.28% | 6.125% | XXXX | XXXX | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | Annual |  | 43.88% | No | No |  |  |  | Borrower 1 - Paystub - 2019<br> Borrower 1 - W2 - 2018<br> Borrower 1 - W2 - 2017<br> Borrower 2 - Written VOE - 2019<br> Borrower 2 - Paystub - 2019<br> Borrower 2 - W2 - 2018<br> Borrower 2 - W2 - 2017 |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  | XXXX | 1 | 40 | 0 | 0 | 0 | XXXX |  | XXXX |  | Unknown | 0.0439 | 0 |  |  |  |  |
| 500_52 | 500_52 | Not Covered / Exempt | XXXX | No | XXXX |  |  |  | 0.0% | 5.875% | XXXX | XXXX | Foreign National | Foreign National |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | Month | 0.00% |  | No | No |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | XXXX |  | XXXX |  | Unknown |  | 0 |  |  |  |  |
| 500_6 | 500_6 | Not Covered / Exempt | XXXX | No | XXXX |  |  | XXXX | 6.228% | 5.999% | XXXX |  | US Citizen |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  | 15.81% |  | No | Yes | 12 | Business | 0.97 | Borrower 1 - Bank Statements - 2018<br> Borrower 1 - Business License - 2019<br> Borrower 1 - Bank Statements - 2019 | Borrower 1 - CPA Letter - 2019 |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | XXXX |  | XXXX |  | Unknown |  | 0 |  |  |  |  |
| 500_8 | 500_8 | Non-QM / Compliant | XXXX | Yes | XXXX |  |  | XXXX | 6.794% | 6.625% | XXXX | XXXX | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | Annual |  | 21.00% | No | Yes | 25 | Business | 1.00 | Borrower 1 - Bank Statements - 2017<br> Borrower 1 - Bank Statements - 2018<br> Borrower 1 - Bank Statements - 2019 | Borrower 1 - CPA Letter - 2019 |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | XXXX |  | XXXX |  | Unknown | 0.0434 | 0 |  |  |  |  |
| 500_9 | 500_9 | Non-QM / Compliant | XXXX | Yes | XXXX |  |  | XXXX | 6.473% | 6.25% | XXXX | XXXX | US Citizen | US Citizen |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | 44.15% | No | No |  |  |  | Borrower 1 - Written VOE - 2019<br> Borrower 1 - Paystub - 2019<br> Borrower 1 - W2 - 2018<br> Borrower 1 - W2 - 2017<br> Borrower 1 - Written VOE - 2019<br> Borrower 2 - Bank Statements - 2019 |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  | XXXX | 1 | 24 | 0 | 0 | 0 | XXXX |  | XXXX |  | Unknown |  | 0 |  |  |  |  |

---

## Exhibit 99.7

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
| 500_466 | 500_466 | Loan Type | Conventional | Non-QM | Tape reflects Conventional--Review considered Alt A, Non QM as Income type is Stated/ODF DSCR+ loan |
| 500_466 | 500_466 | Original Interest Rate | 6.1300% | 6.1250% | Tape value is rounded while xxxx of note shows rate of 6.125 |
| 500_466 | 500_466 | ARM Margin | 5.000 | 4.950 | Margin on tape is rounded while margin on note xxxx state 4.95 |
| 500_466 | 500_466 | Minimum Interest Rate | 6.130 | 6.125 | Minimum rate verified per Note. |
| 500_466 | 500_466 | Total Debt to Income Ratio | 35.00% | 0.00% | Approved DTI 35.0 Review DTI 34.58 Variance less than 1% considered non material as this is DSCR loan. |
| 500_466 | 500_466 | ARM Index |  | 1 Year US Treasury Constant Maturity (weekly) | Tape Index 1 Year US Tres Constant Maturity Per note xxxx Index is 1 Year US Treasury Constant Maturity (weekly) |
| 500_7 | 500_7 | Loan Type | Conventional | Non-QM | Tape reflects Conventional--Review considered Alt A, Non QM as Income type is Full Doc |
| 500_7 | 500_7 | Total Debt to Income Ratio | 43.90% | 43.88% | Approved DTI 43.9 Review DTI 43.88 Variance less than 1% considered non material |
| 500_7 | 500_7 | ARM Index |  | 1 Year US Treasury Constant Maturity (weekly) | Tape Index 1 Year US Tres Constant Maturity Per note xxxx Index is 1 Year US Treasury Constant Maturity (weekly) |
| 500_52 | 500_52 | Loan Type | Conventional | Non-QM | Tape reflects Conventional--Review considered Alt A, Non QM as Income type is Stated/ODF Foreign National Loan. |
| 500_52 | 500_52 | Total Debt to Income Ratio | 0.80% | 0.00% | Approved DTI .80 Review DTI .44 Variance less than 1% considered non material. DSCR Loan. |
| 500_52 | 500_52 | ARM Index |  | 1 Year US Treasury Constant Maturity (weekly) | Tape Index 1 Year US Tres Constant Maturity Per note xxxx Index is 1 Year US Treasury Constant Maturity (weekly) |
| 500_52 | 500_52 | Citadel Credit Grade | ODF |  | ODF Foreign National, No Credit Grade. |
| 500_6 | 500_6 | Loan Type | Conventional | Non-QM | Tape reflects Conventional--Review considered Alt A, Non QM as Income type is 12 mo Bank Statement Loan. |
| 500_6 | 500_6 | Original Loan to Value | 0.00% | 75.00% | Tape was null, review LTV/CLTV is 75%. |
| 500_6 | 500_6 | Original Combined Loan to Value | 0.00% | 75.00% | Tape was null, review LTV/CLTV is 75%. |
| 500_6 | 500_6 | Total Debt to Income Ratio | 15.80% | 15.81% | Approved DTI 15.8 Review DTI 15.809 Variance less than 1% considered non material |
| 500_6 | 500_6 | Appraised Value | XXXX | XXXX | Unable to source tape appraised value while Input value is from appraisal xxxx |
| 500_8 | 500_8 | Loan Type | Conventional | Non-QM | Tape reflects Conventional--Review considered Alt A, Non QM as Income type is 24 mo Bank Statement Loan. |
| 500_8 | 500_8 | ARM Index |  | 1 Year US Treasury Constant Maturity (weekly) | Tape Index 1 Year US Tres Constant Maturity Per note xxxx Index is 1 Year US Treasury Constant Maturity (weekly) |
| 500_9 | 500_9 | Loan Type | Conventional | Non-QM | Tape reflects Conventional--Review considered Alt A, Non QM as Income type is full doc |
| 500_9 | 500_9 | Total Debt to Income Ratio | 44.20% | 44.15% | Approved DTI 44.20 Review DTI 44.15 Variance less than 1% considered non material |
| 500_9 | 500_9 | Representative Credit Score | 617 | 808 | Tape score 617 is B#2 and 808 is B#1 who is major wage earner |

---

## Exhibit 99.7

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| 500_466 | 500_466 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 47.08% | XXXX | 86.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_7 | 500_7 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.97% | XXXX | 91.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_52 | 500_52 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 68.04% | XXXX | 92.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_6 | 500_6 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.10% | XXXX | 92.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_8 | 500_8 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 9.78% | XXXX | 86.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500_9 | 500_9 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.02% | XXXX | 88.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

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

**Overview**

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Loan Funding Structure III LLC, through a bulk purchase. The review included a total of 55 newly originated residential mortgage loans, in connection with the securitization identified as BRAVO 2023-NQM2 (the "Securitization"). The Review was conducted from December 2021 through February 2023 on mortgage loans originated between October 2021 and February 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

Credit Documentation: A review of the documentation underlying the credit decision was performed to determine sufficiency for consideration in the Credit Review. The Credit Documentation review consisted of the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Guidelines: The underwriting guidelines as specified by Client served as the criteria under which each loan qualification review took place. Qualification criteria includes:

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

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

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

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

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

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

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

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

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

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

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

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

**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 investment properties and 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:

Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;e. 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;f. 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;g. 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;h. 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;i. 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;j. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;k. 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. In the event
the CU score was greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, CDA's were ordered on loans that had an acceptable CU score based on guidance from the seller.

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 (55 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and thirty-four (34) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Zero (0) loans had a Field Review or BPO, and one (1) loan had a Second Desk Review all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 55 mortgage loans reviewed, thirty-two (32) unique mortgage loans (58.18% by loan count) had a total of thirty-eight (38) different tape discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;23 | &nbsp;&nbsp;60.53% |
| &nbsp;&nbsp;Original Collateral Value Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;21.05% |
| &nbsp;&nbsp;UW FICO Utilized | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.89% |
| &nbsp;&nbsp;Original Collateral Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | | |
| **Event Grade** | **Loan Count** | **Original Principal Balance** | **Percent of Sample** |
| Event Grade A | 38 | $19052566.00 | 69.09% |
| Event Grade B | 12 | $6937894.00 | 21.82% |
| Event Grade C | 4 | $2403500.00 | 7.27% |
| Event Grade D | 1 | $548000.00 | 1.82% |
| Total Sample | 55 | $28941960.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | |
| **Event Grade** | **Loan Count** | **Percent of Sample Event** |
| Grade A | 42 | 76.36% |
| Event Grade B | 8 | 14.55% |
| Event Grade C | 4 | 7.27% |
| Event Grade D | 1 | 1.82% |
| Total Sample | 55 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | |
| **Event Grade** | **Loan Count** | **Percent of Sample** |
| Event Grade A | 51 | 92.73% |
| Event Grade B | 4 | 7.27% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 55 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| **Event Grade** | **Loan Count** | **Percent of Sample** |
| Event Grade A | 55 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 55 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;CoBorrower Employment Verification does not meet guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Transcript is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;CoBorrower Liabilities Verified Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Transmittal Summary is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Credit Application is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate is Partial | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Borrower Credit Report Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;CoBorrower Income Verification does not match Approval | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HAZARD INSURANCE CERTIFICATE MISSING | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***81*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Residual income does not meet guidelines. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Initial Credit Application is Not Executed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Trade Line Requirement Not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***12*** |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***8*** |
|  | &nbsp;&nbsp;D | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Credit Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Prohibited Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right to Cancel is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR/QM Status is Pending | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Settlement Cost Booklet was provided more than 3 days from the Originator Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Brokerage/Finder Fee Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;TRID Post-Consummation Revised Closing Disclosure Data Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Was Not Provided Within 3 Days (12 CFR 1026.35(c)(5)). | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***61*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Home loan Toolkit is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Issues Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Origination Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***7*** |

---

**Event Grade Definitions**

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.8

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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** |
| 500_533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/10/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 870 | Credit | HAZARD INSURANCE CERTIFICATE MISSING | Missing copy of hazard insurance certificate; Exception resolved. HOI provided. |  |  | Received copy of hazard insurance certificate | 01/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Exception Resolved. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Lender provided Replacement Cost Estimator. | 02/01/2022 | Hazard insurance coverage is sufficient.; Exception Resolved. | 02/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 871 | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial. The Mortgagee named on the HOI policy (pg XXX) shows XXX, the policy should have been updated to reflect XXX.; Exception Resolved. | Change status of 'Hazard Insurance Indicator is Partial' from Active to Open Rebuttal.; Lender provided documentation stating XXX is the Loan Servicer and Clause is correct. | 02/11/2022 | Hazard insurance indicator is Present; Exception Resolved. | 02/11/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. | 01/10/2022 |  | 01/11/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. | 01/21/2022 |  | 01/21/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Lender granted Exception pg XXX.; Lender granted exception for Overdraft exceeding tolerance. | Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client.; Acknowledged | 01/25/2022 |  | 01/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/19/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | -98777 | Compliance | Prohibited Fees Test | This loan failed the prohibited fees test. (N.J.S.A. §XXX-XX, XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in feeCommitment FeeWarehouse FeeDiscount Points |  |  | This loan passed the prohibited fees test. (N.J.S.A. §XX:XXC-XX, N.J.A.C. §§X:X-XX.X)The loan does not charge a fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in feeCommitment FeeWarehouse FeeDiscount Points | 01/21/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/21/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Guidelines require evidence the borrower has XXX% ownership in the business and the business is active and in existence for a minimum of X years. Business license and internet search provided are not sufficient evidence. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Lender provided active business proof from state website. This with current business license in file and signed XXXX showing at least XXX% ownership (debts/ratios supported even with XXX% of deposits and XXX% expense ratio). | 02/03/2022 | Exception resolved. | 02/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1258 | Credit | CoBorrower Employment Verification does not meet guidelines | Guidelines require evidence the borrower has XXX% ownership in the business and the business is active and in existence for a minimum of X years. Business license and internet search provided are not sufficient evidence. | Change status of 'CoBorrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Lender provided revised XXXX/XXXX removing Co-Bo income/employment. Ok as borrowers own business together and business bank statement deposits support income/ratios. | 02/03/2022 | Exception resolved. | 02/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. | 03/03/2022 |  | 03/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: Occupancy & Undisclosed Debt high alerts have not been cleared.; Exception Resolved. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.; Lender provided clear Fraud Report. | 02/03/2022 | Alerts from Fraud Report have been cleared.; Exception Resolved. | 02/03/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "The existence of self-employed business(es) must be validated within XX calendar days prior to the Note Date." XXX Secretary of State search is dated XX/XX/XXXX with Note date of XX/XX/XXXX. Third-party verification of a phone and address listing using the Internet (page XXX) is not dated. ; Exception resolved, Lender provided internet search of business name, address and phone number dated XX/XX/XX. File contains secretary of search showing business in existence since XXXX. |  |  |  | 02/16/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete:; X) Provide all pages of XXX statement dated XX/XX/XXXX if asset utilized for reserve requirement. There is currently a gap between the statement ending XX/XX/XXXX and the statement beginning XX/XX/XXXX.<br> X) Provide a letter of explanation and supporting documentation for the following large deposits on XXX statement dated XX/XX/XXXX: $XXX XX/XX/XX; $XXX XX/XX/XXXX; $XXX XX/XX/XX; $XXX XX/XX/XX; $XXX XX/XX/XX; $XXX XX/XX/XX. <br> X) Statements not provided for XXX Bank statements listed on final XXXX. If accounts are being utilized for reserve requirement, provide all pages of two monthly statements.; Exception remains. Lender still needs to provide LOE for exception #X.<br> Exceptions #X and #X are resolved.; Exception resolved, bank statements for XX/XX and X/XX not used to calculate income. |  |  |  | 03/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 932 | Property | Origination Appraisal is Partial | Origination Appraisal is Partial.; Appraisal indicates subject property is a PUD. Deed of Trust does not reflect a PUD rider. Provide documentation to determine accurate property type and correct document with error.; Exception cleared. Mortgage and PUD rider provided. |  |  | Origination appraisal is Present. | 02/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 01/13/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Third-party verification of a phone and address listing using the Internet for business, XXX, does not include a date. Provide dated documentation to verify existence of business. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Lender provided Corporate/Business Entity doc, from state, for support of XXX% ownership and date (XX/XX/XXXX) of orginaztion filing. Saved in Trailing Docs folder (XX/XX/XXXX). | 02/14/2022 | Exception Resolved. | 02/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; X) Provide documentation to verify if there are HOA dues for all non-subject properties listed on final XXXX.<br> X) Provide explanation for credit inquiries by XXX and XXX on XX/XX/XXXX.; Exception Resolved. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; X) Provide documentation to verify if there are HOA dues for all non-subject properties listed on final XXXX.;<br> X) Provide explanation for credit inquiries by XXX and XXX on XX/XX/XXXX.; Lender provided response "Frozen credit pulled by broker on XX/XX/XXXX" was inquiry for same transaction, could not use "frozen report" broker pulled for transaction. | 02/14/2022 | Borrower liabilities verified indicator is Present; Exception Resolved. | 02/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Provide evidence of the borrower's percentage of ownership in XXX, Inc. as required by Section XXXX of the XXX Product Guide dated XX/XX/XXXX. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Lender provided Corporate/Business Entity doc, from state, for support of XXX% ownership and date (XX/XX/XXXX) of orginaztion filing. Saved in Trailing Docs folder (XX/XX/XXXX).; Provide evidence of the borrower's percentage of ownership in XXX, Inc. as required by Section XX/XX/XXXX of the XXX Product Guide dated XX/XX/XXXX. | 02/14/2022 | The borrower income verification does match approval. Exception Resolved. | 02/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Provide documentation to verify XX months housing history as required for credit grade A+ per Section XXX of the XXX Product Guide dated XX/XX/XXXX. Section XXX of the XXX Product Guide dated XX/XX/XXXX indicates X-X unit subject property type is not permitted with credit grade A. Subject property is X unit. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Lender provided commentary that Housing History and property type are permitted for A+ program. Information in file and review of A+ guidelines support. XX month housing history complete when reviewing prior residence (XXX per XXXX and pgs XXX/XXX Fraud Report) mtg history (XXX) on credit report (pg XXX).;<br> ;<br> Per Section XXX of guide, X-X units are allowed up to XX%. Guides met.; Provide documentation to verify XX months housing history as required for credit grade A+ per Section XXXof the XXX Product Guide dated XX/XX/XXXX. Section XXX of the XXX Product Guide dated XX/XX/XXXX indicates X-X unit subject property type is not permitted with credit grade A. Subject property is X unit. | 02/14/2022 | Housing delinquency meets guidelines.. Exception Resolved. | 02/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1247 | Credit | AUS is Missing | The file is missing an Automated Underwriting System (AUS) as required per the guidelines to validate the eligibility for a Non-QM Product. |  |  | The AUS is received. | 01/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or $-XXX, are less than the Guidelines minimum required of XXXX or $XXX.; The liquid reserves of XXX months or $-XXX, are less than the Guidelines minimum required of XXXX months or $XXX.; Exception remains: Lender provided AUS. Loan was manually underwritten and requires X months reserves.; Exception resolved. |  |  | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of X.XX or $XXX. | 01/24/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 01/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 01/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  |  | 01/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 01/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | XX/XX/XXXX | Active | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; Provide letter of explanation for inquiry by XXX on XX/XX/XXXX listed on undisclosed debt notifications (page XXX). |  |  |  | 01/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXXX.; Section XXX of the XXX Product Guide limits LTV to XXX% for cash-out refinance with FICO of XXX. Guidelines also state, "For Bank Statement & : XXX% LTV reduction to the maximum available for the specific transaction." Maximum LTV permitted is XXX% for subject transaction. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Lender provided LTV exception approval for greater than XX%. | 02/15/2022 |  | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; Section XXX of the XXX Product Guide limits LTV to XXX% for cash-out refinance with FICO of XXX. Guidelines also state, "For Bank Statement & XXXX: X% LTV reduction to the maximum available for the specific transaction." Maximum CLTV permitted is XXX% for subject transaction. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Lender provided LTV exception approval for greater than XX%. | 02/15/2022 |  | 02/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | XX/XX/XXXX | Active | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Provide documentation to verify the existence of business, XXX, within XX calendar days prior to the Note Date. CPA letter in file is dated XX/XX/XXXX with Note Date of XX/XX/XXXX. |  |  |  | 01/21/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | XX/XX/XXXX | Active | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; X) Provide income worksheet as required by Section XXX of the XXX Product Guide dated XX/XX/XXXX. <br> X) Provide the following missing bank statement pages for XXX account ending #XXXX: Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X and XX of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X and X-XX of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X & XX of statement dated XX/XX/XXXX.; PARTIALLY RESOLVED: #X cleared as Lender provided their BS Income Wksht.<br>EXCEPTION REMAINS for #X, missing pages of bank stmts as previously listed.<br>X) Provide the following missing bank statement pages for XXX account ending #XXXX: Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X and XX of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X and X-XX of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X & XX of statement dated XX/XX/XXXX. |  |  |  | 01/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Exception Resolved.; Provide page XX of final XXXX. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Lender provided complete XXXX.; Provide page XX of final XXXX. | 02/02/2022 | Final Loan Application is Present; Exception Resolved. | 02/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | 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. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 03/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). |  |  | This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXXX) do not exceed the comparable charges ($XXXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXX(e)(X)(i) by more than XX 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 §XXX(e)(X)(vi). | 03/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | 03/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | -96348 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). |  |  | This loan passed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XX,XXXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XX,XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 03/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/03/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 04/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 04/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Guidelines XXX require a minimum FICO of XXX when borrower has a loan in forebearance. Lender approved exception in the loan file (pg XXX), | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.; Guidelines XX.XX require a minimum FICO of XXX when borrower has a loan in forebearance. Lender approved exception in the loan file (pg XXX), | 03/03/2022 |  | 03/03/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 500_547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/03/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 500_548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. <br> X) Provide documentation to verify XX-month payment history for Borrower's primary residence. Final XXXX indicates Borrower currently rents XXX for $XXX/mon.<br> X) Provide documentation to verify payment history for the four mortgage loans listed on credit report through XX/XXXX. ; Exception resolved. Rent checks and updated credit report provided. |  |  | Housing delinquency meets guidelines. | 03/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Section XXX of the XXX Guide dated XX/XX/XXXX states, "The loan file must include a worksheet detailing the DSCR calculation." Provide DSCR worksheet. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Lender provided DSCR Worksheet, matches qualifying and data tape DSCR. | 03/15/2022 | The borrower income verification does match approval. \* Exception Resolved. | 03/15/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.; EXCEPTIN REMAINS: Lender provided rent free letter but did not provide sufficient assets to cover the X month reserve requirement. Missing documentation for the verification of the real estate proceeds listed on the updated XXXX.; Lender provided exception request for DTI > XXX% and reserve shortfall. EXCEPTION DENIED per TM.; Nine months reserves required. Section XXX/XXX of XXX (XX/XX/XX). Grade A = X mos + LTV > XXX% = X mos + X additional months for each financed property owned (Subject + XXX = X total mos). Total X months reserves required. PITIA XXX = $XXX total reserves. |  |  |  | 03/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX.; EXCEPTION REMAINS: Lender provided rent free letter and updated XXXX. All income, subject PITIA and REO PITI included into DTI at XXX%. ; Lender DTI (XXXX pg XXX) is XXXX% but doesn't include the PITI for XXX property. XXX mtg stmt (pg XXX) = $XXX escrowed. Letter in file (pg XXX) states borrower doesn't claim rent for that property. Lender total debt $XXX. Addition of XXX = $XXX.; Lender provided exception request for DTI > XXX% and reserve shortfall. EXCEPTION DENIED per TM. |  |  |  | 03/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 04/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final XXX to be corrected. Current address reflects XXXX XXX St for XXX years; however, docs in file support XXX XXX as address (sold XX/XX/XX pg XXX). Also, LOE for currently living rent free (pg XXX) from that sale date to purchase of subject does not indicate where they now live. <br>Need corrected residential addresses and time at each on first page of final XXX. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> Exception NA, borrower living with family till they purchased the subject (sold previous residence XX/XXXX. Closed X/XXXX; Final XXXX to be corrected. Current address reflects XXX years; however, docs in file support XXX XXX as address (sold XX/XX/XX pg XXX). Also, LOE for currently living rent free (pg XXX) from that sale date to purchase of subject does not indicate where they now live. ;<br> ;<br> Need corrected residential addresses and time at each on first page of final XXXX. | 05/12/2022 | Final Loan Application is Present | 05/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 951 | Credit | Condo Approval Missing | Condo approval indicator is Missing; Exception resolved: Lender provided certification litigation does not affect safety, structural soundness, functional use or habitability of the project; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "Projects with pending or threatened litigation surrounding the safety, structural soundness, functional use or habitability are not acceptable." Item #XX of the Condo Questionnaire (page XXX) regarding litigation refers to the comments addendum. The comments addendum (page XXX) advises to contact the community association manager. There is no documentation in file to verify if there is any pending litigation. | Change status of 'Condo Approval Missing' from Active to Open Rebuttal.;<br> Lender provided certification litigation does not affect safety, structural soundness, functional use or habitability of the project; Section XXXof the XXX Product Guide dated XX/XX/XXXX states, "Projects with pending or threatened litigation surrounding the safety, structural soundness, functional use or habitability are not acceptable." Item #XX of the Condo Questionnaire (page XXX) regarding litigation refers to the comments addendum. The comments addendum (page XXX) advises to contact the community association manager. There is no documentation in file to verify if there is any pending litigation. | 05/23/2022 | Condo approval indicator is Present; Exception resolved: Lender provided certification litigation does not affect safety, structural soundness, functional use or habitability of the project | 05/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 878 | Credit | Flood Certificate is Partial | Flood certificate is missing subject property unit number.; EXCEPTION RESOLVED | Change status of 'Flood Certificate is Partial' from Active to Open Rebuttal.; Lender provided Flood Cert with subject Unit #. | 03/24/2022 | Flood ceritifcate is received; EXCEPTION RESOLVED | 03/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Provide documentation to verify XX/XX/XXXX and XXX XXXX rent payments of $XXX. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Lender provided copy of borrowers bank statement to verify XX/XX/XXXX and XX/XX/XXXX rent payments were made on time. ; Provide documentation to verify XX/XX/XXXX and XXX XXXX rent payments of $XXX. | 03/24/2022 | Housing delinquency meets guidelines. EXCEPTION RESOLVED | 03/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; X) Provide bank statement dated XX/XX/XXXX for XXX account ending #. XXX statement dated XX/XX/XXXX for personal account ending #XXXX (page XXX) was utilized for Lender calculation. <br> X) Section XXX of the XXX Product Guide states, "Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation." Provide required documentation.; Lender provided copy of bank statement for acct # XXXX. Still active conditions:<br>X) Section XXX of the XXX Product Guide states, "Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation." Provide required documentation. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.;<br> Lender provided copy of XXXwith XXX% ownership interest.; X) Provide bank statement dated XX/XX/XXXX for XXX account ending #XXXX. XXX statement dated XX/XX/XXXX for personal account ending #XXXX (page XXX) was utilized for Lender calculation. ;<br> X) Section XX/XX/XXXX of the XXX Product Guide states, "Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation." Provide required documentation.; Lender provided copy of bank statement for acct # XXXX. Still active conditions:;<br> ;<br> ;<br> X) Section XX/XX/XXXX of the XXX Product Guide states, "Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation." Provide required documentation. | 05/05/2022 | The borrower income verification does match approval. | 05/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to open credit exceptions. |  |  | NQM | 03/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  |  | 05/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Active | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; EXCEPTION REMAINS: Lender provided loan information with no payment history.; Provide mortgage payment history for XXX loan ending #XXX which is secured by XXX #XXX, XXX from origination through XX/XXXX payment. XXX mortgage statement (page XXX) verifies payment for XX/XXXX. XXX loan status (page XXX) does not provide payment history. |  |  |  | 03/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 500_551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete:; Section XXX of the XXX Guide dated XX/XX/XXXX advises, "Large deposits are defined as a single deposit that exceeds XXX% of the account balance. If the large deposit is required for the borrower to meet the down payment, funds to close, closing costs, or reserves to qualify for the loan, then funds must be verified through a letter of explanation and supporting documentation." There was a large deposit of $XXX on XX/XX/XXXX to the Borrower's XXX account ending #XXX-X (page XXX). Account history for XXX account ending #XXX (page XXX) verifies the account was the source of the transfer; however, the account history does not list the account holder's name. Provide additional documentation to verify source of transferred funds. | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.;<br> Lender provided asset statement to verify the source of the large deposit. Came from the borrower business. ; Section XXXof the XXX Guide dated XX/XX/XXXX advises, "Large deposits are defined as a single deposit that exceeds XXX% of the account balance. If the large deposit is required for the borrower to meet the down payment, funds to close, closing costs, or reserves to qualify for the loan, then funds must be verified through a letter of explanation and supporting documentation." There was a large deposit of $XXX on XX/XX/XXXX to the Borrower's XXX account ending #XXXX-X (page XXX). Account history for XXX account ending #XXXX (page XXX) verifies the account was the source of the transfer; however, the account history does not list the account holder's name. Provide additional documentation to verify source of transferred funds. | 06/14/2022 | EXCEPTION RESOLVED | 06/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 500_551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3500 | Credit | Borrower residency documentation not provided or issue with documentation | Borrower residency documentation not provided or issue with documentation. ; EXCEPTION RESOLVED; Section XXX of the XXX Guide states, "If the EAD Form I-XXX will expire within one (X) year and a prior history of residency status renewals. exists, it may be assumed that continuation will be granted." Final XXXX indicates Borrower's citizenship status is Permanent Resident Alien. Documentation in file indicates borrower is a non-permanent resident alien. Borrower's EAD Form I-XXX expired XX/XX/XXXX. XXX UW Manager accepted residency documents provided (page XXX). Provide conversation log referenced in email to verify exception approval. | Change status of 'Borrower residency documentation not provided or issue with documentation' from Active to Acknowledged by Client.;<br> Lender provided conversation log and exception approved.; Change status of 'Borrower residency documentation not provided or issue with documentation' from Active to Open Rebuttal.;<br> Lender provided conversation log.; Change status of 'Borrower residency documentation not provided or issue with documentation' from Cleared to Active.;<br> Lender provided conversation log.; EXCEPTION RESOLVED; Section XXX of the XXX Guide states, "If the EAD Form I-XXX will expire within one (X) year and a prior history of residency status renewals. exists, it may be assumed that continuation will be granted." Final XXXX indicates Borrower's citizenship status is Permanent Resident Alien. Documentation in file indicates borrower is a non-permanent resident alien. Borrower's EAD Form I-XXX expired XX/XX/XXXX. XXX UW Manager accepted residency documents provided (page XXX). Provide conversation log referenced in email to verify exception approval. | 05/05/2022 | Borrower residency documentation has been provided and there are no issues with documentation. ; Borrower residency documentation has been provided and there are no issues with documentation. | 06/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 500_551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/01/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 500_552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. - Lender approved exception in file page XXX for only XX month VOR rating versus GL of XX month VOR. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Acknowledged lender exception | 03/09/2022 |  | 03/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 500_553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: All high alerts on fraud report (pg XXX) have not been cleared. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.; Lender provided XXX to clear those highs. REO and DTI cleared with docs in file. | 03/24/2022 | Alerts from Fraud Report have been cleared. Exception Resolved. | 03/24/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 500_496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 01/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | XXX: EXCEPTION REMAINS: Lender provided commentary (email) that loan was underwritten as XX month full doc using tax returns for the business.<br>Section XXX of the XXX Guide calls for XX months tax returns. None in file. Need tax returns to support the P & L's and Cash Flow Analysis. <br>The borrower income verification does not match approval. It appears the Lender used the XX month business bank statement doc level with P&L income overlay per GLs. However, Lender's income analysis references XXXX K-X income used (pg XXX). Assuming the Lender was using the XX month bank statement doc level, the loan file only contains X mos from the bank account used (XXX). File is missing statements for XX/XX/XXXX, and XX/XX/XXX, to coincide with P&Ls used. ; EXCEPTION REMAINS: Lender provided commentary (email) that loan was underwritten as XX month full doc using tax returns for the business.<br>Section XXX of the XXX Guide calls for XX months tax returns. None in file. Need tax returns to support the P & L's and Cash Flow Analysis. ; Exception remains: XXX tax returns provided however they are not signed by the borrower. Provide signed tax returns. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; EXCEPTION REMAINS: Lender provided commentary (email) that loan was underwritten as XX month full doc using tax returns for the business.;<br> ;<br> Section XXX of the XXX Guide calls for XX months tax returns. None in file. Need tax returns to support the P & L's and Cash Flow Analysis. ; Exception remains: XXXX tax returns provided however they are not signed by the borrower. Provide signed tax returns.; Lender provided XXXX business returns. | 03/08/2022 | The borrower income verification does match approval. Exception resolved | 03/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing. Exception Resolved. | Change status of 'Affiliated Business Disclosure is Missing' from Active to Open Rebuttal.; Clearing exception as ABD not required. See FACTS (pg XX). No info shared with affiliates. | 02/15/2022 | The affiliate business disclosure is Not Applicable | 02/15/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 03/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXXX.; Exception Resolved.; Subject property expense: $XXX P&I + $XXX taxes per final CD+ $XXX HOI per Travelers declarations page= $XXX/mon<br> DSCR: $XXX market rent estimate / $XXX= XXX. DSCR of X required for LTV of XXX% per XXX Product Guide dated XX/XX/XXXX. Final CD reflects HOI premium of $XXX paid to XXX Insurance; however, declarations page in file (page XXX) verifies premium of $XXX with XXX. | Change status of 'DSCR is less than guideline minimum' from Active to Open Rebuttal.; Lender used Final CD amount for calculating DTI/PITIA which HOI is $XX/month or $XXX annual per final CD dated XX/X/XXXX.; Subject property expense: $XXX P&I + $XXX taxes per final CD+ $XX.XX HOI per Travelers declarations page= $XXX/mon;<br> DSCR: $XXX market rent estimate / $XXX= XXX. DSCR of X required for LTV of XX% per XXX Product Guide dated XX/XX/XXXX. Final CD reflects HOI premium of $XXX paid to XXX Insurance; however, declarations page in file (page XXX) verifies premium of $XXX with XXX. | 02/17/2022 | Qualifying DSCR of X.XX meets guideline requirement.; Exception Resolved. | 02/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; No Trid Testing Required on this Investment property purchase. No Compliance Ease ran. |  |  |  | 01/05/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; Exception Resolved.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Provide required documentation. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; Lender provided UDN.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Provide required documentation. | 02/16/2022 | Borrower liabilities verified indicator is Present; Exception Resolved. | 02/16/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/11/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/11/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Per Guidelines max DTI is XXX% with XXX% CLTV. Lender approved DTI at XXX%.; Exception Remains. Max DTI Full Doc XXX% LTV is XXX%. (If LTV = or less than XXX% max DTI XXX%). LTV for this transaction is XXX%. | Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Exception resolved.; Lender provided Exception Approval addressing both DTI and LTV. | 02/10/2022 |  | 02/10/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/10/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/04/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1226 | Compliance | Intent to Proceed is Missing | The intent to proceed is Missing; Exception resolved. |  |  | The intent to proceed is received. | 01/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete:; Section XXX of the XXX Guide dated XX/XX/XXXX advises, "When the borrower is not XXX% owner of the business: The total assets must be multiplied by the percentage (%) of ownership the borrower has in the business; and All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrowers access to funds in the account." Provide letter from non-borrowing owners as required by guidelines. Also pending receipt of verification of percentage of ownership the borrower has in the business. Business Bank Statement Income Worksheet indicates Borrower is XXX% owner. | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.;<br> Lender provided copy of divorce decree and the borrower received ful ownership from his ex wife. ; Section XXX of the XXX Guide dated XX/XX/XXXX advises, "When the borrower is not XXX% owner of the business: The total assets must be multiplied by the percentage (%) of ownership the borrower has in the business; and All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrowers access to funds in the account." Provide letter from non-borrowing owners as required by guidelines. Also pending receipt of verification of percentage of ownership the borrower has in the business. Business Bank Statement Income Worksheet indicates Borrower is XXX% owner. | 04/12/2022 | EXCEPTION RESOLVED | 04/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 12/31/2021 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Section XXX of the XXX Guide dated XX/XX/XXXX states, "The existence of self-employed business(es) must be validated within XX calendar days prior to the Note Date. Each source of self employment income requires that the existence of the business is independently verified through a disinterested third party. Supporting documentation that the business is active must be obtained." XXXX and XXXX XXX Corporation Annual Reports from XXX Secretary of State (pages XXX-XXX) are not dated, and do not reflect the current year's registration. XXX Division of Corporations search (page XXX) is dated after Note date. Provide documentation to verify the existence of the business as required by guidelines.; Exception resolved, doc provided to confirm business is active. |  |  |  | 03/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Exception remains: Annual report provided however it does not show percentage of ownership. Provide CPA letter or similar documentation to show ownership percentage.; Section XXXX of the XXX Guide dated XX/XX/XXXX advises, "When the borrower has less than XXX% ownership in the business: Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation; and All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the account for incomerelated purposes; and Qualifying income must be multiplied by the ownership percentage to determine the owner's portion of income allowed for the transaction." No documentation in file to verify ownership percentage. Signed, dated letter from all non-borrowing owners also not in file. Provide documentation required by guidelines. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.;<br> Lender provided copy of divorce decree and the borrower received ful ownership from his ex wife. ; Exception remains: Annual report provided however it does not show percentage of ownership. Provide CPA letter or similar documentation to show ownership percentage.; Section XX/XX/XXXX of the XXX Guide dated XX/XX/XXXX advises, "When the borrower has less than XXX% ownership in the business: Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation; and All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the account for incomerelated purposes; and Qualifying income must be multiplied by the ownership percentage to determine the owner's portion of income allowed for the transaction." No documentation in file to verify ownership percentage. Signed, dated letter from all non-borrowing owners also not in file. Provide documentation required by guidelines. | 04/12/2022 | The borrower income verification does match approval. EXCEPTION RESOLVED | 04/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 01/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 1222 | Compliance | Home loan Toolkit is Missing | The home loan toolkit is Missing |  |  |  | 12/30/2021 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  |  | 12/30/2021 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Exception resolved. Pages provided.; Provide missing pages XXX and XXX of final XXXX. |  |  | Final Loan Application is Present | 01/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 654 | Credit | CoBorrower Liabilities Verified Indicator is Partial | CoBorrower liabilities verified indicator is Partial. <br> ; Provide documentation to verify monthly payment of $XXX reflected on final XXX for XXX XXXaccount ending #XXX with balance of $XXX. | Change status of 'CoBorrower Liabilities Verified Indicator is Partial' from Active to Open Rebuttal.; Lender provided verification.; Provide documentation to verify monthly payment of $XXX reflected on final XXXX for XXX XXXaccount ending #XXXX with balance of $XXX. | 01/31/2022 | CoBorrower liabilities verified indicator is Present | 01/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; X) Addendum #X of purchase agreement (page XXX) indicates Buyer to assume the solar lease. Final XXXX reflects $XXX monthly payment for solar panels. Provide documentation to verify monthly payment for solar panels.<br> X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated by XXX, the debt monitoring must be performed through the Note Date." | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; X) Addendum #X of purchase agreement (page XXX) indicates Buyer to assume the solar lease. Final XXXX reflects $XXX monthly payment for solar panels. Provide documentation to verify monthly payment for solar panels.;<br> X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated by XXX, the debt monitoring must be performed through the Note Date." ; Lender provided verification. | 01/31/2022 | Borrower liabilities verified indicator is Present | 01/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: fraud report page XXX shows uncleared high alerts; Exception resolved, alerts cleared. |  |  | Alerts from Fraud Report have been cleared. | 01/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | -96377 | Compliance | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. |  |  | This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested | 01/18/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  |  | 01/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Provide required documentation.<br> X) XXX and XXX Schedule E reflect rental property of XXX. Schedule E indidates type of property as Single Family Residence. Provide documentation to verify PITIA expense for property, or proof that property has been sold by Borrower.; Lender provided Undisclosed Debt report. File is still missing status of property located at XXX reported on schedule E of tax returns. Please provide status of property, if sold or retained with required documentation. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Provide required documentation.;<br> X) XXXX and XXXX Schedule E reflect rental property of XXX XXX. Schedule E indidates type of property as Single Family Residence. Provide documentation to verify PITIA expense for property, or proof that property has been sold by Borrower.; Lender provided LOX and support that property is commercial and not owned by borrower.; Lender provided Undisclosed Debt report. File is still missing status of property located at XXX XXX reported on schedule E of tax returns. Please provide status of property, if sold or retained with required documentation. | 02/14/2022 | Borrower liabilities verified indicator is Present | 02/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1268 | Credit | Borrower Transcript is Partial | The borrower Transcript is Partial; Exception resolved; Provide evidence IRS transcripts for XXXX and XXXX tax years were obtained by Lender/Broker/Client through XXXX-C validation as required by Section XXX of the XXX Product Guide dated XX/XX/XXXX. IRS transcripts in file do not reflect name of ordering company, and there was no invoice located in file. | Change status of 'Borrower Transcript is Partial' from Active to Open Rebuttal.; Lender provided IRS transcripts. ; Provide evidence IRS transcripts for XXXX and XXXX tax years were obtained by Lender/Broker/Client through XXXX-C validation as required by Section XXX of the XXX Product Guide dated XX/XX/XXXX. IRS transcripts in file do not reflect name of ordering company, and there was no invoice located in file. | 01/18/2022 | The borrower transcript is Present; Exception resolved | 01/18/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Exception remains: Lender provided resident ledger. However Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "For housing and mortgage obligations that are not on the credit report: Must be verified with: An institutional Verification of Mortgage (VOM); or Cancelled checks; or Bank statements." Pricing information sheet (page XX) verifies credit grade of A+ which requires XX months of housing payment history.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "For housing and mortgage obligations that are not on the credit report: Must be verified with: An institutional Verification of Mortgage (VOM); or Cancelled checks; or Bank statements." Pricing information sheet (page XX) verifies credit grade of A+ which requires XX months of housing payment history. Resident ledger dated XX/XX/XXXX (page XXX) does not meet guideline requirements as source of verification unknown. File does not contain Verification of Rent form completed by XXX. Bank statements in file do not verify monthly rent payments. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Exception remains: Lender provided resident ledger. However Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "For housing and mortgage obligations that are not on the credit report: Must be verified with: An institutional Verification of Mortgage (VOM); or Cancelled checks; or Bank statements." Pricing information sheet (page XX) verifies credit grade of A+ which requires XX months of housing payment history.; Lender provided VOR ledger from a Xrd party rental agency for the last XX months.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "For housing and mortgage obligations that are not on the credit report: Must be verified with: An institutional Verification of Mortgage (VOM); or Cancelled checks; or Bank statements." Pricing information sheet (page XX) verifies credit grade of A+ which requires XX months of housing payment history. Resident ledger dated XX/XX/XXXX (page XXX) does not meet guideline requirements as source of verification unknown. File does not contain Verification of Rent form completed by XXX. Bank statements in file do not verify monthly rent payments. | 03/31/2022 | Housing delinquency meets guidelines. EXCEPTION RESOLVED | 03/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1245 | Credit | Transmittal Summary is Missing | The transmittal summary is Missing; X) Provide transmittal summary. <br> X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "When all income sources utilize the XX-month full doc income verification option (i.e. wage earner, XXX,self-employment with tax returns, etc.), AUS must be run by the Lender/Broker/Client at the time of loan submission; the underwriter will run AUS upon initial underwrite and prior to clearing the loan to close. The AUS findings must be included in the loan file to validate the eligibility for a Non-QM product. A primary residence with Approve/Eligible or Accept findings must be underwritten as a QM product." There is only one AUS in file dated XX/XX/XXXX.; Exception Resolved. | Change status of 'Transmittal Summary is Missing' from Active to Open Rebuttal.; X) Provide transmittal summary. ;<br> X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "When all income sources utilize the XX-month full doc income verification option (i.e. wage earner, XXXX,self-employment with tax returns, etc.), AUS must be run by the Lender/Broker/Client at the time of loan submission; the underwriter will run AUS upon initial underwrite and prior to clearing the loan to close. The AUS findings must be included in the loan file to validate the eligibility for a Non-QM product. A primary residence with Approve/Eligible or Accept findings must be underwritten as a QM product." There is only one AUS in file dated XX/XX/XXXX.; Lender provided Transmittal Summary. | 01/18/2022 | The transmittal summary is Present; Exception Resolved. | 01/18/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 01/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX for a first time home buyer. Approved Lender exception in the loan file (page XXX).; Approved lender exception in file | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.; Approved lender exception in file | 01/18/2022 |  | 01/18/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: Identity and Third Party high alerts have not been cleared.; Exception resolved, alerts cleared. |  |  | Alerts from Fraud Report have been cleared. | 01/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 930 | Property | Origination Appraisal is Missing | Origination appraisal is Missing.; EXCEPTION REMAINS: Origination appraisal report and UCDP documents are missing from the loan file. ; Loan file does not contain Appraisal or Xrd party valuations. | Change status of 'Origination Appraisal is Missing' from Active to Open Rebuttal.; EXCEPTION REMAINS: Origination appraisal report and UCDP documents are missing from the loan file. ; Lender provided copy of full appraisal XXXX. ; Loan file does not contain Appraisal or Xrd party valuations. | 04/05/2022 | Origination appraisal is Present. | 04/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Per Guidelines XXX a gap credit report or undisclosed debt monitoring report is required. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; Lender provided gap CB. No new liabilities | 04/01/2022 | Borrower liabilities verified indicator is Present | 04/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 03/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 2451 | Credit | Residual income does not meet guidelines. | Residual income of XXX does not meet minimum guidelines. | Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client.; Approved Lender exception in the loan file, pg XXX. | 03/08/2022 |  | 03/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Approved Lender exception in the loan file, pg XXX. | 03/08/2022 |  | 03/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; EXCEPTION REMAINS: Origination appraisal report and UCDP documents are missing from the loan file. ; Loan file does not contain Appraisal or Xrd party valuations. |  |  | Third Party Valuation Product Provided. EXCEPTION RESOLVED | 04/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/10/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial. Originator did not execute final XXXX (pg XXX).; Exception resolved. Signed XXXX provided. |  |  | Final Loan Application is Present | 01/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3528 | Compliance | Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Was Not Provided Within 3 Days (12 CFR 1026.35(c)(5)). | The Right to Receive Appraisal Disclosure provided to the borrower on XX/XX/XXXX was not provided within X days of application date of XX/XX/XXXX.; The Right to Receive Appraisal Disclosure provided to the borrower on XX/X/XXXX was not provided within X days of application date of XX/XX/XXXX.; Exception remains: Lender provided documentation that appraisal disclosure is sent at the time appraisal is sent and not with initial disclosures. Disclosure is not within X days of initial application date.; Initial LE in file within X days. Exception resolved |  |  | The Right to Receive Appraisal Disclosure provided to the borrower on XX/XX/XXXX was provided within X days of application date of XX/XX/XXXX. | 03/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 01/11/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 03/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/11/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 500_517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 03/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; $XXX Discount Points added on XX/XX/XX CD but not on only LE XX/XX/XX. Appears to be a missing COC/LE. Please provide a full loan timeline disclosure tracker and missing COC and disclosure when $XXX Discount Fee was added. Additional conditions may apply.; Lender provided copy of COC XX/XX/XXXX adding additional discount points. EXCEPTION RESOLVED |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).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 §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 04/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 500_519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; EXCEPTION RESOLVED; Final XXXX to reflect employment dates. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Final XXXX to reflect employment dates. ; Lender provided XXXX with borrower employment date. | 04/01/2022 | Final Loan Application is Present; EXCEPTION RESOLVED | 04/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 500_520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/02/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 04/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. | Change status of 'Third Party Valuation Product not Provided' from Active to Open Rebuttal.; Lender provided copy of CDA with reasonable value within XX% tolerance. | 03/31/2022 | Third Party Valuation Product Provided EXCEPTION RESOLVED | 03/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 500_521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Guidelines XXX require XXX for Grade A. Mortgage statement for XXX relfects unpaid late charges of $XXX on XX/XX/XXXX statement (pg XXX) and XXX statement for HELOC reflects unpaid late charges of $XXX XX/XX/XXXX statement (pg XXX). Provide evidence mortgages have not been XXX and are current. |  |  |  | 03/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; EXCEPTION REMAINS: Replacement Cost coverage added to the dwelling is not sufficient, total with RC is $XXX, and loan amount $XXX. Please provide a Replacement Cost Estimate from the insurance agent. |  |  |  | 03/04/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/04/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/03/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/03/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial; EXCEPTION REMAINS: Lender provided LOE that the UDN/Gap report was not pulled within XX days of the note date and requested an exception. Please provided the approved exception for the UDN/Gap report.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Note is dated XX/XX/XXXX. The credit refresh report (page XXX) is dated XX/XX/XXXX which is not within XX days of the Note Date. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.;<br> Lender requesting exception for outside XX days UDN/Gap report. UDN provided X/XX/XXXX (XX days). Exception granted | 05/11/2022 |  | 05/11/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1434 | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of X/XX/XXXX is after the note date of X/XX/XXXX; The hazard insurance effective date of X/XX/XXXX is after the note date of X/XX/XXXX | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Acknowledged by Client.;<br> Acknowledged | 05/06/2022 | Lender provided HOI policy with effective date X/X/XXXX | 05/11/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX.; Qualifying DTI of XXX exceeds guideline maximum of XXX.; Qualifying DTI of XXX exceeds guideline maximum of XXX. Updated HOI policy premium provided X/XX/XXXX for the subject property went from $XXX annually to $XXX annually. |  |  | Documentation provided to support Qualifying DTI below XXX.; Documentation provided to support Qualifying DTI below XXX.; Documentation provided to support Qualifying DTI below XXX. | 05/11/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; EXCEPTION RESOLVED; The declarations section is not fully completed on the final XXXX. Also, no income appears on final XXXX. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> Lender provided copy of XXXX with income and declarations section complete. ; The declarations section is not fully completed on the final XXXX. Also, no income appears on final XXXX. | 04/14/2022 | Final Loan Application is Present; EXCEPTION RESOLVED | 04/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A verbal VOE is required to be completed no more than ten (XX) business days prior to the Note Date." Provide verbal VOE for Borrower, XXX. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.;<br> Lender provided WVOE for BX within XX business days of the closing. | 04/14/2022 | EXCEPTION RESOLVED | 04/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1258 | Credit | CoBorrower Employment Verification does not meet guidelines | Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A verbal VOE is required to be completed no more than ten (XX) business days prior to the Note Date." Provide verbal VOE for CoBorrower, XXX. | Change status of 'CoBorrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.;<br> LEnder provided copy of VVOE for CB X/XX/XXXX | 05/11/2022 | EXCEPTION RESOLVED | 05/11/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | -99349 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XX CFR §XXX(o)(X))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. |  |  | This loan passed the TILA finance charge test.(XX CFR §XXX(o)(X))The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because:It is understated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 03/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | -98046 | Compliance | Brokerage/Finder Fee Test | This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. XXXX-XX-XX(X))<br> The mortgage loan charges a brokerage/finder fee that exceeds X% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.<br> Any brokerage/finder fee of more than X% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation. |  |  | This loan passed the brokerage/finder fee test. (Tenn. Comp. R. &amp; Regs. XXXX-XX-XX(X))<br> The mortgage loan charges a brokerage/finder fee that does not exceed X% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.<br> Any brokerage/finder fee of X% or less of the principal loan amount will be considered fair and reasonable. | 03/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1262 | Credit | CoBorrower Income Verification does not match Approval | The coborrower income verification does not match approval; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "The loan file must include an income worksheet detailing income calculations." Provide income worksheet for CoBorrower. | Change status of 'CoBorrower Income Verification does not match Approval' from Active to Open Rebuttal.; Lender provided their income calculation worksheet.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "The loan file must include an income worksheet detailing income calculations." Provide income worksheet for CoBorrower. | 03/24/2022 | The coborrower income verification does match approval. Exception Resolved. | 03/24/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D C A |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "The loan file must include an income worksheet detailing income calculations." Provide income worksheet for Borrower. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Lender provided their income calculation worksheet.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "The loan file must include an income worksheet detailing income calculations." Provide income worksheet for Borrower. | 03/24/2022 | The borrower income verification does match approval. Exception Resolved. | 03/24/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D C A |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1258 | Credit | CoBorrower Employment Verification does not meet guidelines | Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A verbal VOE is required to be completed no more than ten (XX) business days prior to the Note Date." Verbal VOE dated XX/XX/XXXX was not completed prior to the Note date of XX/XX/XXXX. | Change status of 'CoBorrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.;<br> Lender provided VVOE dated X/XX/XXXX, note date of X/XX/XXXX. | 04/15/2022 | EXCEPTION RESOLVED | 04/15/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D C A |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. ; X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process." Credit refresh report dated XX/XX/XXXX (page XXX) indicates the Borrower's Experian file is frozen. Provide a gap credit report or undisclosed debt monitoring report will freeze of Experian file lifted.<br> X) Provide letter of explanation for the following credit inquiries reflected on the credit refresh report dated XX/XX/XXXX (page XXX): XXX XX/XX/XXXX and Infinity Home Lending XX/XX/XXXX.; EXCEPTION REMAINS: Lender provided same documentation from origination file (pgs XXX - XXX / XXX) . | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.;<br> Lender provided updated credit report. ; X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process." Credit refresh report dated XX/XX/XXXX (page XXX) indicates the Borrower's Experian file is frozen. Provide a gap credit report or undisclosed debt monitoring report will freeze of Experian file lifted.;<br> X) Provide letter of explanation for the following credit inquiries reflected on the credit refresh report dated XX/XX/XXXX (page XXX): XXX XX/XX/XXXX and Infinity Home Lending XX/XX/XXXX.; EXCEPTION REMAINS: Lender provided same documentation from origination file (pgs XXX - XXX / XXX) . | 05/19/2022 | Borrower liabilities verified indicator is Present | 05/19/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 03/08/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D C A |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX.; Exception remains: Provide approved Lender exception per LOE provided.; Section XXX of the XXX Product Guide dated XX/XX/XXXX requires a minimum FICO of XXX for loans in modification. Item #XX in the requirements section of the title commitment (page XXX) indicates a loan modification agreement was recorded on XX/XX/XXXX. The completed and executed loan modification plan was not provided. Borrowers' FICO is XXX which does not meet FICO requirement. | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.;<br> Approved lender exception provided | 05/13/2022 |  | 05/13/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D C A |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial; Borrower credit report indicator is Partial; EXCEPTION REMAINS: Lender provided same documentation from origination file (pgs XXX - XXX / XXX) .; Exception remains: Provide approved Lender exception per LOE provided.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "Any frozen repositories will have to be released and the credit re-pulled without the freeze." Credit report dated XX/XX/XXXX indicates the Borrower's Experian file is frozen. Provide all pages of credit report with freeze lifted. | Change status of 'Borrower Credit Report Indicator is Partial' from Active to Open Rebuttal.;<br> Lender provided updated credit report. ; EXCEPTION REMAINS: Lender provided same documentation from origination file (pgs XXX - XXX / XXX) .; Exception remains: Provide approved Lender exception per LOE provided.; Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "Any frozen repositories will have to be released and the credit re-pulled without the freeze." Credit report dated XX/XX/XXXX indicates the Borrower's Experian file is frozen. Provide all pages of credit report with freeze lifted. | 05/19/2022 | Borrower credit report indicator is Present; Borrower credit report indicator is Present | 05/19/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1243 | Compliance | Right to Cancel is Missing | The right to cancel is Missing; Exception Resolved. | Change status of 'Right to Cancel is Missing' from Active to Open Rebuttal.; Lender provided XXX executed by both borrowers. | 03/24/2022 | The right to cancel is Present; Exception Resolved. | 03/24/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 500_526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 456 | Credit | Initial Credit Application is Partial | Initial credit application is Partial; Exception Resolved.; Pages regarding CoBorrower, XXX, are missing from copy provided. | Change status of 'Initial Credit Application is Partial' from Active to Open Rebuttal.; Lender provided complete Initial XXXX with co-borrower's information.; Pages regarding CoBorrower, XXX, are missing from copy provided. | 03/24/2022 | Initial credit application is Present; Exception Resolved. | 03/24/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 500_527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; No Trid testing done and no complance ease in file. This is an investment property cashout refinance with funds to be used for business purposes. |  |  |  | 02/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Exception Resolved; Final XXXX (pg XXX) not signed/dated by Originator. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Discussed with XXX management, LO not signing Final XXXX is ok.; Final XXXX (pg XXX) not signed/dated by Originator. | 03/24/2022 | Final Loan Application is Present; Exception Resolved | 03/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Borrower currently rents but VOR was not found in file to document a XX month rental history.; Prime Select Guide (Grade A per data tape) Section XXX requires XXX housing history. No VOR or cancelled checks in file for current residence (XXXX XXX).; VOR not found in file; borrower currently rents but no verification of XX months history found in the file. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Lender provided copy of VOR for borrowers primary home XXXX XXX; Prime Select Guide (Grade A per data tape) Section XXX requires XxXXxXX housing history. No VOR or cancelled checks in file for current residence (XXXX XXX).; VOR not found in file; borrower currently rents but no verification of XX months history found in the file. | 04/07/2022 | Housing delinquency meets guidelines. EXCEPTION RESOLVED | 04/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/03/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2075 | Property | Title Issues Present | The following issues were noted: title commitment page XXX IAO $XXX and no escrow instructions- Note IAO $ XXX,XXX; Exception resolved, final title provided. |  |  |  | 03/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. XXXX primary address is XXX XXX- this property was purchased XXXXX per ATLA statement page XXX; XXXX shows X years at this address and no prior address for a consecutive XX month period. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Lender provided LOX that the borrower lived in the primary as a renter and just recently purchased the proerty XX/XXXX. | 03/30/2022 | Housing delinquency meets guidelines. EXCEPTION RESOLVED | 03/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 1281 | Property | The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete. | The appraisal was completed Subject to Completion and the Completion Certificate in file is Incomplete-XXX in file page XXX states appraised value $XXX versus actual appraised value per page XXX IAO $XXX. CDA value came in at $XXX; however appraiser's value as of XX/XX/XXXX is $XXX.; Exception resolved. Value within tolerance. |  |  | Is the Completion Certificate in file is Yes | 03/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 500_529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | Borrower Income Verification does not match Approval |  |  | The borrower income verification does match approval | 03/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. |  |  | 03/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 500_513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; HPML. Acknowledged. | 02/03/2023 |  | 02/03/2023 | Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 500_513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Active | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Per guidelines a XX month rental history must be obtained via bank statements or by source document from XXX. It is not clear per bank statements where the $XXX monthly rental payment was coming from each month |  |  |  | 02/03/2023 | Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 500_513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 02/03/2023 | Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |

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## Exhibit 99.8

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Client Loan Number** | **Borrower Last Name** | **Loan Amount** | **State** | **Note Date** | **Occupancy** | **Loan Purpose** | **ATR/QM Status** | **Credit Exception** | **Compliance Exception** | **Covered High Cost Loan** | **Compensating Factors** |
| XXXXX | 500_533 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] Hazard Insurance Coverage is Not Sufficient. - XX/XX/XXXX - Hazard insurance coverage is sufficient.; XX/XX/XXXX - Exception Resolved.; XX/XX/XXXX - Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; XX/XX/XXXX - Lender provided Replacement Cost Estimator.; XX/XX/XXXX - Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; [X] HAZARD INSURANCE CERTIFICATE MISSING - XX/XX/XXXX - Missing copy of hazard insurance certificate; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_534 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] Hazard Insurance Indicator is Partial - XX/XX/XXXX - Hazard insurance indicator is Partial. The Mortgagee named on the HOI policy (pg XXX) shows XXX, the policy should have been updated to reflect XXX.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_535 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Rate Term Refinance | Non-QM: Lender documented all ATR UW factors B | [X] Overdraft/NSF Count Exceeds Tolerance - XX/XX/XXXX - Overdraft/NSF count exceeds tolerance. Lender granted Exception pg XXX.; XX/XX/XXXX - Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material.; XX/XX/XXXX - Lender granted exception for Overdraft exceeding tolerance.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - HPML. Acknowledged.; [X] MA XXX CMR XXX Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'MA XXX CMR XXX Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'MA XXX CMR XXX Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - HPML. Acknowledged.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_536 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; XX/XX/XXXX - Loan meets Lender guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_537 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] CoBorrower Employment Verification does not meet guidelines - XX/XX/XXXX - Guidelines require evidence the borrower has XX% ownership in the business and the business is active and in existence for a minimum of X years. Business license and internet search provided are not sufficient evidence. ; [X] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Guidelines require evidence the borrower has XX% ownership in the business and the business is active and in existence for a minimum of X years. Business license and internet search provided are not sufficient evidence. | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_538 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The exception 'No Credit Findings' is cleared.; XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] MA XXX CMR XXX Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'MA XXX CMR XXX Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'MA XXX CMR XXX Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - HPML. Acknowledged.; [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - HPML. Acknowledged.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_539 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | [X] Fraud Report Shows Uncleared Alerts - XX/XX/XXXX - Fraud report shows the following alerts that have not been cleared: Occupancy &amp; Undisclosed Debt high alerts have not been cleared. | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_540 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "The existence of self-employed business(es) must be validated within XX calendar days prior to the Note Date." CA Secretary of State search is dated XX/XX/XXXX with Note date of XX/XX/XXXX. Third-party verification of a phone and address listing using the Internet (page XXX) is not dated. ; [X] Asset Documents are Incomplete - XX/XX/XXXX - X) Provide all pages of XXX statement dated XX/XX/XXXX if asset utilized for reserve requirement. There is currently a gap between the statement ending XX/XX/XXXX and the statement beginning XX/XX/XXXX.<br> X) Provide a letter of explanation and supporting documentation for the following large deposits on XXX statement dated XX/XX/XXXX: $XXX XX/XX/XX; $XXX XX/XX/XXXX; $XXX XX/XX/XX; XXX XX/XX/XX; $XXX XX/XX/XX; $XXX XX/XX/XX. <br> X) Statements not provided for XXX statements listed on final XXXX. If accounts are being utilized for reserve requirement, provide all pages of two monthly statements.; XX/XX/XXXX - Asset Documents are Incomplete:; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_541 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] Housing history does not meet guidelines - XX/XX/XXXX - Housing history does not meet guidelines.; XX/XX/XXXX - Provide documentation to verify XX months housing history as required for credit grade A+ per XXX of the XXX Product Guide dated XX/XX/XXXX. XXX.X of the XXX Product Guide dated XX/XX/XXXX indicates X-X unit subject property type is not permitted with credit grade A. Subject property is X unit. ; [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - X) Provide documentation to verify if there are HOA dues for all non-subject properties listed on final XXXX.<br> X) Provide explanation for credit inquiries by XXX Corp and XXX Inc on XX/XX/XXXX.; XX/XX/XXXX - Borrower liabilities verified indicator is Partial; [X] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Third-party verification of a phone and address listing using the Internet for business, XXX Inc, does not include a date. Provide dated documentation to verify existence of business. ; [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - The borrower income verification does not match approval; XX/XX/XXXX - Provide evidence of the borrower's percentage of ownership in XXX, Inc. as required by Section XXX of the XXX Product Guide dated XX/XX/XXXX.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations. | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_542 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors B | [X] AUS is Missing - XX/XX/XXXX - The file is missing an Automated Underwriting System (AUS) as required per the guidelines to validate the eligibility for a Non-QM Product.; [X] Liquid Reserves are less than Guidelines Required - XX/XX/XXXX - The liquid reserves of - X.XX months or $-XXX, are less than the Guidelines minimum required of X.XX months or $XXX.; | [X] Affiliated Business Disclosure is Missing - XX/XX/XXXX - The affiliate business disclosure is Missing; [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_543 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors D | [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - The borrower income verification does not match approval; XX/XX/XXXX - X) Provide income worksheet as required by Section XXX of the XXX Product Guide dated XX/XX/XXXX. <br> X) Provide the following missing bank statement pages for XXX Bank account ending #XXX: Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X and XX of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X and X-XX of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Page X of statement dated XX/XX/XXXX; Pages X &amp; XX of statement dated XX/XX/XXXX.; [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Provide letter of explanation for inquiry by XXX on XX/XX/XXXX listed on undisclosed debt notifications (page XXX). ; XX/XX/XXXX - Borrower liabilities verified indicator is Partial; [X] Underwriting LTV exceeds Guideline Maximum Allowable - XX/XX/XXXX - Section XXX of the XXX Product Guide limits LTV to XX% for cash-out refinance with FICO of XXX. Guidelines also state, "For Bank Statement &amp; XXXX: X% LTV reduction to the maximum available for the specific transaction." Maximum LTV permitted is XX% for subject transaction.<br> ; XX/XX/XXXX - Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of X.XX.; [X] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Provide documentation to verify the existence of business, Lawn-Gevity Landscape &amp; Construction, within XX calendar days prior to the Note Date. CPA letter in file is dated XX/XX/XXXX with Note Date of XX/XX/XXXX.; [X] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial; XX/XX/XXXX - Provide page XX of final XXXX.; [X] Underwriting CLTV exceeds Guideline Maximum Allowable - XX/XX/XXXX - Section XXX of the XXX Product Guide limits LTV to XX% for cash-out refinance with FICO of XXX. Guidelines also state, "For Bank Statement &amp; XXXX: X% LTV reduction to the maximum available for the specific transaction." Maximum CLTV permitted is XX% for subject transaction.<br> ; XX/XX/XXXX - Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_544 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_545 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_546 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_547 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors B | [X] Underwriting FICO does not meet Guideline Minimum Required - XX/XX/XXXX - Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material.; XX/XX/XXXX - Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.; XX/XX/XXXX - Guidelines XXX require a minimum FICO of XXX when borrower has a loan in forebearance. Lender approved exception in the loan file (pg XXX), ; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_548 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - The borrower income verification does not match approval. Section XXX of the XXX Guide dated XX/XX/XXXX states, "The loan file must include a worksheet detailing the DSCR calculation." Provide DSCR worksheet.; [X] Housing history does not meet guidelines - XX/XX/XXXX - Housing history does not meet guidelines. <br> X) Provide documentation to verify XX-month payment history for Borrower's primary residence. Final XXXX indicates Borrower currently rents XXX XXX for $XXX/mon.<br> X) Provide documentation to verify payment history for the four mortgage loans listed on credit report through XX/XXXX. ; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_549 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors C | [X] Qualifying DTI exceeds Guideline Maximum Allowable - XX/XX/XXXX - Lender DTI (XXXX pg XXX) is XXXX% but doesn't include the PITI for XXX property. XXX mtg stmt (pg XXX) = $XXX escrowed. Letter in file (pg XXX) states borrower doesn't claim rent for that property. Lender total debt $XXX. Addition of XXX = $XXX.; XX/XX/XXXX - Qualifying DTI of XXX exceeds guideline maximum of XXX.; [X] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial; XX/XX/XXXX - Final XXXX to be corrected. Current address reflects XXXX XXX for XXX years; however, docs in file support XXXXX Hamlet as address (sold XX/XX/XX pg XXX). Also, LOE for currently living rent free (pg XXX) from that sale date to purchase of subject does not indicate where they now live. <br>Need corrected residential addresses and time at each on first page of final XXXX. ; [X] Liquid Reserves are less than Guidelines Required - XX/XX/XXXX - Nine months reserves required. Section XXX/XX.X.X of XXX (XX/XX/XX). Grade A = X mos + LTV &gt; XX% = X mos + X additional months for each financed property owned (Subject + Bromley = X total mos). Total X months reserves required. PITIA XXX x X = $XXX total reserves.; XX/XX/XXXX - The liquid reserves of X.XX months or $XXX, are less than the Guidelines minimum required of X.XX or $XXX.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_550 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] Housing history does not meet guidelines - XX/XX/XXXX - Provide documentation to verify XX/XX/XXXX and XX/XX/XXXX rent payments of $XXX. ; XX/XX/XXXX - Housing history does not meet guidelines.; [X] Condo Approval Missing - XX/XX/XXXX - XXX of the XXX Product Guide dated XX/XX/XXXX states, "Projects with pending or threatened litigation surrounding the safety, structural soundness, functional use or habitability are not acceptable." Item #XX of the Condo Questionnaire (page XXX) regarding litigation refers to the comments addendum. The comments addendum (page XXX) advises to contact the community association manager. There is no documentation in file to verify if there is any pending litigation.; XX/XX/XXXX - Condo approval indicator is Missing; [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - X) Provide bank statement dated XX/XX/XXXX for XXX account ending #XXX. XXX statement dated XX/XX/XXXX for personal account ending #XXX (page XXX) was utilized for Lender calculation. <br> X) Section XXX of the XXX Product Guide states, "Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation." Provide required documentation.; XX/XX/XXXX - The borrower income verification does not match approval; [X] Flood Certificate is Partial - XX/XX/XXXX - Flood certificate is missing subject property unit number.; | [X] Affiliated Business Disclosure is Missing - XX/XX/XXXX - The affiliate business disclosure is Missing; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_551 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt C | [X] Asset Documents are Incomplete - XX/XX/XXXX - Asset Documents are Incomplete:; XX/XX/XXXX - XXX of the XXX Guide dated XX/XX/XXXX advises, "Large deposits are defined as a single deposit that exceeds XX% of the account balance. If the large deposit is required for the borrower to meet the down payment, funds to close, closing costs, or reserves to qualify for the loan, then funds must be verified through a letter of explanation and supporting documentation." There was a large deposit of $XXX on XX/XX/XXXX to the XXX account ending #XXX-X (page XXX). Account history for XXX account ending #XXX (page XXX) verifies the account was the source of the transfer; however, the account history does not list the account holder's name. Provide additional documentation to verify source of transferred funds.; [X] Borrower residency documentation not provided or issue with documentation - XX/XX/XXXX - Borrower residency documentation has been provided and there are no issues with documentation. ; XX/XX/XXXX - Change severity of 'Borrower residency documentation not provided or issue with documentation' from Material to Non-Material.; XX/XX/XXXX - Change status of 'Borrower residency documentation not provided or issue with documentation' from Active to Acknowledged by Client.<br> Lender provided conversation log and exception approved.; XX/XX/XXXX - Change status of 'Borrower residency documentation not provided or issue with documentation' from Active to Open Rebuttal.<br> Lender provided conversation log.; XX/XX/XXXX - EXCEPTION RESOLVED; XX/XX/XXXX - Change status of 'Borrower residency documentation not provided or issue with documentation' from Cleared to Active.<br> Lender provided conversation log.; XX/XX/XXXX - XXXX.X of the XXX Guide states, "If the EAD Form I-XXX will expire within one (X) year and a prior history of residency status renewals. exists, it may be assumed that continuation will be granted." Final XXXX indicates Borrower's citizenship status is Permanent Resident Alien. Documentation in file indicates borrower is a non-permanent resident alien. Borrower's EAD Form I-XXX expired XX/XX/XXXX. XXX UW Manager accepted residency documents provided (page XXX). Provide conversation log referenced in email to verify exception approval. ; XX/XX/XXXX - Borrower residency documentation not provided or issue with documentation. ; [X] Housing history does not meet guidelines - XX/XX/XXXX - Housing history does not meet guidelines.; XX/XX/XXXX - Provide mortgage payment history for XXX loan ending #XXX which is secured by XXX | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_552 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] Housing history does not meet guidelines - XX/XX/XXXX - Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; XX/XX/XXXX - Housing history does not meet guidelines. - Lender approved exception in file page XXX for only XX month VOR rating versus GL of XX month VOR | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_553 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | [X] Fraud Report Shows Uncleared Alerts - XX/XX/XXXX - Fraud report shows the following alerts that have not been cleared: All high alerts on fraud report (pg XXX) have not been cleared.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. |
| XXXXX | 500_496 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The exception 'No Credit Findings' is cleared.; XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations. | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_497 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - XXX.XX: EXCEPTION REMAINS: Lender provided commentary (email) that loan was underwritten as XX month full doc using tax returns for the business.<br>Section XXX of the Champion Guide calls for XX months tax returns. None in file. Need tax returns to support the P &amp; L's and Cash Flow Analysis. <br>The borrower income verification does not match approval. It appears the Lender used the XX month business bank statement doc level with P&amp;L income overlay per GLs. However, Lender's income analysis references XXXX K-X income used (pg XXX). Assuming the Lender was using the XX month bank statement doc level, the loan file only contains X mos from the bank account used (xxXXXX). File is missing statements for Jan. &amp;XX/XX/XXXX, to coincide with P&amp;Ls used. ; | [X] Affiliated Business Disclosure is Missing - XX/XX/XXXX - The affiliate business disclosure is Missing. Exception Resolved.; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_498 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; XX/XX/XXXX - The exception 'No Credit Findings' is cleared.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_499 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_500 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Borrower liabilities verified indicator is Partial; XX/XX/XXXX - Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Provide required documentation.; [X] DSCR is less than guideline minimum - XX/XX/XXXX - Qualifying DSCR of X.XXX is less than guideline minimum requirement of X.XX.; XX/XX/XXXX - Subject property expense: $XXX P&amp;I + $XXXX taxes per final CD+ $XXX HOI per Travelers declarations page= $XXX/mon<br> DSCR: $XXX market rent estimate / $XXX= XXX. DSCR of X required for LTV of XX% per XXX Product Guide dated XX/XX/XXXX. Final CD reflects HOI premium of $XXX paid to Safeco Insurance; however, declarations page in file (page XXX) verifies premium of $XXX with Travelers Insurance. ; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_501 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_502 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] Qualifying DTI exceeds Guideline Maximum Allowable - XX/XX/XXXX - Qualifying DTI of XXX exceeds guideline maximum of XXX. Per Guidelines max DTI is XX% with XX% CLTV. Lender approved DTI at XXX%.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_503 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Rate Term Refinance | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The exception 'No Credit Findings' is cleared.; XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] Intent to Proceed is Missing - XX/XX/XXXX - The intent to proceed is Missing; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_504 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - The borrower income verification does not match approval; XX/XX/XXXX - Section XXX of the XXX Guide dated XX/XX/XXXX advises, "When the borrower has less than XXX% ownership in the business: Ownership percentage must be documented via a CPA letter, Operating Agreement or similar documentation; and All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the account for incomerelated purposes; and Qualifying income must be multiplied by the ownership percentage to determine the owner's portion of income allowed for the transaction." No documentation in file to verify ownership percentage. Signed, dated letter from all non-borrowing owners also not in file. Provide documentation required by guidelines.; [X] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Section XXX of the XXX Guide dated XX/XX/XXXX states, "The existence of self-employed business(es) must be validated within XX calendar days prior to the Note Date. Each source of self employment income requires that the existence of the business is independently verified through a disinterested third party. Supporting documentation that the business is active must be obtained." XXXX and XXX XXX Corporation Annual Reports from XXX Secretary of State (pages XXX-XXX) are not dated, and do not reflect the current year's registration. XXX Division of Corporations search (page XXX) is dated after Note date. Provide documentation to verify the existence of the business as required by guidelines.; [X] Asset Documents are Incomplete - XX/XX/XXXX - Section XXX of the XXX Guide dated XX/XX/XXXX advises, "When the borrower is not XXX% owner of the business: The total assets must be multiplied by the percentage (%) of ownership the borrower has in the business; and All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrowers access to funds in the account." Provide letter from non-borrowing owners as required by guidelines. Also pending receipt of verification of percentage of ownership the borrower has in the business. Business Bank Statement Income Worksheet indicates Borrower is XX% owner.; XX/XX/XXXX - Asset Documents are Incomplete:; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_506 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; XX/XX/XXXX - The exception 'No Credit Findings' is cleared.; | [X] No Compliance Findings - XX/XX/XXXX - The exception 'No Compliance Findings' is cleared.; XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_507 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] CoBorrower Liabilities Verified Indicator is Partial - XX/XX/XXXX - CoBorrower liabilities verified indicator is Partial. <br> ; XX/XX/XXXX - Provide documentation to verify monthly payment of $XXXX reflected on final XXXX for Fed Loan Serv account ending #XXX with balance of $XXX,XXX. ; [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - X) Addendum #X of purchase agreement (page XXX) indicates Buyer to assume the solar lease. Final XXXX reflects $XXX monthly payment for solar panels. Provide documentation to verify monthly payment for solar panels.<br> X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated by XXX, the debt monitoring must be performed through the Note Date." ; XX/XX/XXXX - Borrower liabilities verified indicator is Partial; [X] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial; XX/XX/XXXX - Provide missing pages X and XX of final XXXX.; | [X] Home loan Toolkit is Missing - XX/XX/XXXX - The home loan toolket is Missing; [X] Affiliated Business Disclosure is Missing - XX/XX/XXXX - The affiliate business disclosure is Missing; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_508 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | [X] Fraud Report Shows Uncleared Alerts - XX/XX/XXXX - Fraud report shows the following alerts that have not been cleared: fraud report page XXX shows uncleared high alerts; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_509 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Borrower liabilities verified indicator is Partial; XX/XX/XXXX - X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Provide required documentation.<br> X) XXX and XXX Schedule E reflect rental property of XXX. Schedule E indidates type of property as Single Family Residence. Provide documentation to verify PITIA expense for property, or proof that property has been sold by Borrower.; [X] Borrower Transcript is Partial - XX/XX/XXXX - The borrower Transcript is Partial; XX/XX/XXXX - Provide evidence IRS transcripts for XXXX and XXXX tax years were obtained by Lender/Broker/Client through XXXX-C validation as required by Section XXX of the XXX Product Guide dated XX/XX/XXXX. IRS transcripts in file do not reflect name of ordering company, and there was no invoice located in file.; [X] Housing history does not meet guidelines - XX/XX/XXXX - Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "For housing and mortgage obligations that are not on the credit report: Must be verified with: An institutional Verification of Mortgage (VOM); or Cancelled checks; or Bank statements." Pricing information sheet (page XX) verifies credit grade of A+ which requires XX months of housing payment history. Resident ledger dated XX/XX/XXXX (page XXX) does not meet guideline requirements as source of verification unknown. File does not contain Verification of Rent form completed by XXX. Bank statements in file do not verify monthly rent payments.; XX/XX/XXXX - Housing history does not meet guidelines.; [X] Transmittal Summary is Missing - XX/XX/XXXX - X) Provide transmittal summary. <br> X) Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "When all income sources utilize the XX-month full doc income verification option (i.e. wage earner, XXX,self-employment with tax returns, etc.), AUS must be run by the Lender/Broker/Client at the time of loan submission; the underwriter will run AUS upon initial underwrite and prior to clearing the loan to close. The AUS findings must be included in the loan file to validate the eligibility for a Non-QM product. A primary residence with Approve/Eligible or Accept findings must be underwritten as a QM product." There is only one AUS in file dated XX/XX/XXXX.; XX/XX/XXXX - The transmittal summary is Missing; | [X] Affiliated Business Disclosure is Missing - XX/XX/XXXX - The affiliate business disclosure is Missing;<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_510 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] Underwriting FICO does not meet Guideline Minimum Required - XX/XX/XXXX - Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX for a first time home buyer. Approved Lender exception in the loan file (page XXX).; [X] Fraud Report Shows Uncleared Alerts - XX/XX/XXXX - Fraud report shows the following alerts that have not been cleared: Identity and Third Party high alerts have not been cleared.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_511 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Borrower liabilities verified indicator is Partial. Per Guidelines XX.X.X a gap credit report or undisclosed debt monitoring report is required.; [X] Minimum Trade Line Requirement Not Met - XX/XX/XXXX - Approved Lender exception in the loan file, pg XXX.; XX/XX/XXXX - Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; XX/XX/XXXX - Borrower(s) have not met the minimum tradeline requirement per lender guidelines. ; XX/XX/XXXX - Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material.; [X] Residual income does not meet guidelines. - XX/XX/XXXX - Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client.; XX/XX/XXXX - Approved Lender exception in the loan file, pg XXX.; XX/XX/XXXX - Change severity of 'Residual income does not meet guidelines.' from Material to Non-Material.; XX/XX/XXXX - Residual income of XXXXX does not meet minimum guidelines.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_512 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial. Originator did not execute final XXXX (pg XXX).; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_514 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Was Not Provided Within X Days (XX CFR XXXXX(c)(X)). - XX/XX/XXXX - The Right to Receive Appraisal Disclosure provided to the borrower on XX/XX/XXXX was not provided within X days of application date of XX/XX/XXXX.; [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_515 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_516 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_517 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_518 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_519 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] Final Loan Application is Partial - XX/XX/XXXX - Final XXXX to reflect employment dates. ; XX/XX/XXXX - Final Loan Application is Partial; | [X] Charges That Cannot Increase Test - XX/XX/XXXX - $XXX Discount Points added on XX/XX/XX CD but not on only LE XX/XX/XX. Appears to be a missing COC/LE. Please provide a full loan timeline disclosure tracker and missing COC and disclosure when $XXX Discount Fee was added. Additional conditions may apply.; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_520 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_521 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors C | [X] Hazard Insurance Coverage is Not Sufficient. - XX/XX/XXXX - Hazard insurance coverage of XXXX is not sufficent. The subject loan amount is XXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; [X] Housing history does not meet guidelines - XX/XX/XXXX - Housing history does not meet guidelines. Guidelines XX.X.X require XXX for Grade A. Mortgage statement for XXX relfects unpaid late charges of $XXX on XX/XX/XXXX statement (pg XXX) and XXX statement for HELOC reflects unpaid late charges of $XXX XX/XX/XXXX statement (pg XXX). Provide evidence mortgages have not been XXX and are current.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_522 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_523 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_524 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_525 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors B | [X] Final Loan Application is Partial - XX/XX/XXXX - The declarations section is not fully completed on the final XXXX. Also, no income appears on final XXXX.; XX/XX/XXXX - Final Loan Application is Partial; [X] CoBorrower Employment Verification does not meet guidelines - XX/XX/XXXX - Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A verbal VOE is required to be completed no more than ten (XX) business days prior to the Note Date." Provide verbal VOE for CoBorrower,XXX.; [X] Borrower Employment Verification does not meet guidelines - XX/XX/XXXX - Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A verbal VOE is required to be completed no more than ten (XX) business days prior to the Note Date." Provide verbal VOE for Borrower, XXX.; [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - Section XXX of the XXX Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process. For loans originated outside of XXX, the debt monitoring must be performed within ten (XX) days of the Note Date." Note is dated XX/XX/XXXX. The credit refresh report (page XXX) is dated XX/XX/XXXX which is not within XX days of the Note Date. ; XX/XX/XXXX - Borrower liabilities verified indicator is Partial; [X] Qualifying DTI exceeds Guideline Maximum Allowable - XX/XX/XXXX - Qualifying DTI of XXX exceeds guideline maximum of XXX.; XX/XX/XXXX - Documentation provided to support Qualifying DTI below XXX.; XX/XX/XXXX - Qualifying DTI of XXX exceeds guideline maximum of XXX.; [X] Hazard Insurance Effective Date is after the Note Date - XX/XX/XXXX - The hazard insurance effective date of X/XX/XXXX is after the note date of X/XX/XXXX; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_526 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | CashOut Refinance | Non-QM: Lender documented all ATR UW factors B | [X] CoBorrower Income Verification does not match Approval - XX/XX/XXXX - The coborrower income verification does not match approval; XX/XX/XXXX - Section XXX of the Achiever Expanded Product Guide dated XX/XX/XXXX states, "The loan file must include an income worksheet detailing income calculations." Provide income worksheet for CoBorrower.; [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - The borrower income verification does not match approval; XX/XX/XXXX - Section XXX of the Achiever Expanded Product Guide dated XX/XX/XXXX states, "The loan file must include an income worksheet detailing income calculations." Provide income worksheet for Borrower.; [X] CoBorrower Employment Verification does not meet guidelines - XX/XX/XXXX - Section XXX of the Achiever Expanded Product Guide dated XX/XX/XXXX states, "A verbal VOE is required to be completed no more than ten (XX) business days prior to the Note Date." Verbal VOE dated XX/XX/XXXX was not completed prior to the Note date of XX/XX/XXXX.; [X] Borrower Credit Report Indicator is Partial - XX/XX/XXXX - Section XXX of the Achiever Expanded Product Guide dated XX/XX/XXXX states, "Any frozen repositories will have to be released and the credit re-pulled without the freeze." Credit report dated XX/XX/XXXX indicates the Borrower's Experian file is frozen. Provide all pages of credit report with freeze lifted. ; XX/XX/XXXX - Borrower credit report indicator is Partial; [X] Borrower Liabilities Verification Indicator is Partial - XX/XX/XXXX - X) Section XXX of the Achiever Expanded Product Guide dated XX/XX/XXXX states, "A gap credit report or undisclosed debt monitoring report is required to evidence no additional debt was obtained throughout the origination process." Credit refresh report dated XX/XX/XXXX (page XXX) indicates the Borrower's Experian file is frozen. Provide a gap credit report or undisclosed debt monitoring report will freeze of Experian file lifted.<br> X) Provide letter of explanation for the following credit inquiries reflected on the credit refresh report dated XX/XX/XXXX (page XXX): XXX XX/XX/XXXX and Infinity Home Lending XX/XX/XXXX.; XX/XX/XXXX - Borrower liabilities verified indicator is Partial. ; [X] Initial Credit Application is Partial - XX/XX/XXXX - Pages regarding CoBorrower, XXX, are missing from copy provided.; XX/XX/XXXX - Initial credit application is Partial; [X] Underwriting FICO does not meet Guideline Minimum Required - XX/XX/XXXX - Section XXX of the Achiever Expanded Product Guide dated XX/XX/XXXX requires a minimum FICO of XXX for loans in modification. Item #XX in the requirements section of the title commitment (page XXX) indicates a loan modification agreement was recorded on XX/XX/XXXX. The completed and executed loan modification plan was not provided. Borrowers' FICO is XXX which does not meet FICO requirement.; XX/XX/XXXX - Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX.; | [X] Right to Cancel is Missing - XX/XX/XXXX - The right to cancel is Missing; [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years |
| XXXXX | 500_527 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | CashOut Refinance | ATR/QM: Exempt | [X] Housing history does not meet guidelines - XX/XX/XXXX - Prime Select Guide (Grade A per data tape) Section XXX requires XXX housing history. No VOR or cancelled checks in file for current residence (XXXX Amethyst).; XX/XX/XXXX - Housing history does not meet guidelines. Borrower currently rents but VOR was not found in file to document a XX month rental history.; XX/XX/XXXX - VOR not found in file; borrower currently rents but no verification of XX months history found in the file. ; [X] Final Loan Application is Partial - XX/XX/XXXX - Final Loan Application is Partial; XX/XX/XXXX - Final XXXX (pg XXX) not signed/dated by Originator.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations. | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_528 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] Housing history does not meet guidelines - XX/XX/XXXX - Housing history does not meet guidelines. XXXX primary address is XXX NXXX- this property was purchased XX-XXXX per ATLA statement page XXX; XXXX shows X years at this address and no prior address for a consecutive XX month period.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| XXXXX | 500_529 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors | [X] Borrower Income Verification does not match Approval - XX/XX/XXXX - Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material.; XX/XX/XXXX - XXXX income variance due to BXincome; adjusted DTI using BX WX wages from XXX only; BX XXXX also indicates SE income IAO $XX,XXX from XXX; however SE income for BX not supported with documentation. Adjusted DTI within GLs.; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; XX/XX/XXXX - HPML. Acknowledged.; | No | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_530 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Investment Property | Purchase | ATR/QM: Exempt | [X] No Credit Findings - XX/XX/XXXX - The loan meets all applicable credit guidelines.; | [X] No Compliance Findings - XX/XX/XXXX - The loan is in compliance with all applicable laws and regulations.<br> ; | No | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |
| XXXXX | 500_513 | XXXXX | $XXXXXX | XXX | XX/XX/XXXX | Owner occupied | Purchase | Non-QM: Lender documented all ATR UW factors C | [X] Housing history does not meet guidelines - XX/XX/XXXX - Housing history does not meet guidelines. Per guidelines a XX month rental history must be obtained via bank statements or by source document from XXX. It is not clear per bank statements where the $XXX monthly rental payment was coming from each month; | [X] Higher-Priced Mortgage Loan - XX/XX/XXXX - Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; XX/XX/XXXX - Change status of 'Higher-Priced Mortgage Loan' from Cleared to Cured Post Close.<br> Confirmed HPML is compliant; Escrow and appraisal requirements have been met, lender allows HPML per guidelines.; | No | Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years |

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## Exhibit 99.8

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| **Loan Number** | **Seller Loan Number** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **Application Date** | **Note Date** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Years of Tax Transcripts** | **Months of Profit and Loss Statements** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Documentation Type** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Front HTI Ratio** | **Back DTI Ratio** | **Liquid Assets** | **Total Assets** | **Reserves** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place<br> 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **LLC Flag** | **LLC Name** |
| 500_533 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 2 | 0 | 2 |  | 0 | 0 | 2 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_534 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_535 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 3.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_536 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | Self-Employed |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 1 | 0 | 0 | 2 | 1 | 0 | 3 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_537 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | Self-Employed |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_538 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 3.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_539 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | Self-Employed |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 1 | 0 | 2 | 2 | 1 | 0 | 3 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_540 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_541 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 2 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 3.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_542 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 2 |  | 0 | 0 | 3 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_543 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | Self-Employed |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_544 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_545 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_546 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  | XXXXX | Employed | Employed | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | No | No | No |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 2 | 0 | 2 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_547 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 2 | 0 | 2 |  | 0 | 0 | 2 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_548 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_549 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 2 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_550 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 2 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_551 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_552 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 2 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_553 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 40 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 | FULL |  | No |  |  | Present | XXX | XXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_496 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 2.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_497 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | ALT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 19 | 0 |  | 0 | 0 | 3 | ALT |  | No |  |  | Not Applicable |  |  | 0 |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_498 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Present | XXX | XXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_499 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 1 | 10 | 1 | 0 | 1 | 1 | 3 | FULL |  | No |  |  | Not Applicable |  |  | 0 |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_500 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_501 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Present | XXX | XXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_502 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 2 |  | 0 | 0 | 2 | FULL |  | No |  |  | Not Applicable |  |  | 0 |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 3.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_503 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_504 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | 0 |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_506 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 2 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_507 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 2 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_508 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_509 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 2 | 0 | 2 |  | 2 | 0 | 3 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_510 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_511 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 1 | 0 | 2 |  | 0 | 0 | 3 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 3.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_512 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 2 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_514 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 2 | 0 | 2 |  | 0 | 0 | 2 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 1 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_515 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_516 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | Self-Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_517 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 12 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_518 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Present | XXX | XXX | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_519 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 3 | 0 | 1 |  | 0 | 0 | 3 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_520 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_521 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 1 | 11 | 0 |  | 1 | 0 | 3 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Yes | XX/XX/XXXXX | XXX | XX/XX/XXXX | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_522 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | Asset Depletion | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Yes | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | Asset Depletion |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_523 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 2.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_524 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 1 | 12 | 1 |  | 1 | 1 | 2 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_525 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 2 | 0 | 2 | 2 | 0 | 0 | 2 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_526 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | FULL | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | Retired/SSI | Employed |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 1 | 0 | 0 | 1 | 0 | 0 | 2 | FULL |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_527 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_528 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 |  | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_529 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX |  | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | Employed | Self Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Yes | Yes |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 1 | 0 | 1 | 0 | 0 | 0 | 0 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |
| 500_530 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | DSCR | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  | XXX | XXXXX |  | XXXXX | XXXXX |  | XXXXX |  |  |  |  |  |  | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX |  | XXX |  |  |
| 500_513 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Not Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | TRID |  | XXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes | XXX | XXX | XXX |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 3 | BANK STATEMENT |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 500_533 |  | XXXXX | $XXXXXX D A |
| 500_534 |  | XXXXX | $XXXXXX D C A |
| 500_535 |  | XXXXX | $XXXXXX C A B |
| 500_536 |  | XXXXX | $XXXXXX A B |
| 500_537 |  | XXXXX | $XXXXXX C A |
| 500_538 |  | XXXXX | $XXXXXX A C |
| 500_539 |  | XXXXX | $XXXXXX C A |
| 500_540 |  | XXXXX | $XXXXXX C A D |
| 500_541 |  | XXXXX | $XXXXXX D A |
| 500_542 |  | XXXXX | $XXXXXX D C A B |
| 500_543 |  | XXXXX | $XXXXXX D C A |
| 500_544 |  | XXXXX | $XXXXXX A |
| 500_545 |  | XXXXX | $XXXXXX A C |
| 500_546 |  | XXXXX | $XXXXXX A |
| 500_547 |  | XXXXX | $XXXXXX C A B |
| 500_548 |  | XXXXX | $XXXXXX C A |
| 500_549 |  | XXXXX | $XXXXXX D A C |
| 500_550 |  | XXXXX | $XXXXXX D C A B |
| 500_551 |  | XXXXX | $XXXXXX C A |
| 500_552 |  | XXXXX | $XXXXXX C A B |
| 500_553 |  | XXXXX | $XXXXXX C A |
| 500_496 |  | XXXXX | $XXXXXX A |
| 500_497 |  | XXXXX | $XXXXXX C B A |
| 500_498 |  | XXXXX | $XXXXXX A C |
| 500_499 |  | XXXXX | $XXXXXX A |
| 500_500 |  | XXXXX | $XXXXXX D A |
| 500_501 |  | XXXXX | $XXXXXX A |
| 500_502 |  | XXXXX | $XXXXXX C A B |
| 500_503 |  | XXXXX | $XXXXXX A C |
| 500_504 |  | XXXXX | $XXXXXX C A |
| 500_506 |  | XXXXX | $XXXXXX A |
| 500_507 |  | XXXXX | $XXXXXX D B A |
| 500_508 |  | XXXXX | $XXXXXX C A |
| 500_509 |  | XXXXX | $XXXXXX D B A |
| 500_510 |  | XXXXX | $XXXXXX C A B |
| 500_511 |  | XXXXX | $XXXXXX D C B A |
| 500_512 |  | XXXXX | $XXXXXX D A |
| 500_514 |  | XXXXX | $XXXXXX A C |
| 500_515 |  | XXXXX | $XXXXXX A C |
| 500_516 |  | XXXXX | $XXXXXX A |
| 500_517 |  | XXXXX | $XXXXXX A |
| 500_518 |  | XXXXX | $XXXXXX A C |
| 500_519 |  | XXXXX | $XXXXXX D C A |
| 500_520 |  | XXXXX | $XXXXXX A D |
| 500_521 |  | XXXXX | $XXXXXX C A |
| 500_522 |  | XXXXX | $XXXXXX A |
| 500_523 |  | XXXXX | $XXXXXX A |
| 500_524 |  | XXXXX | $XXXXXX A |
| 500_525 |  | XXXXX | $XXXXXX D C A B |
| 500_526 |  | XXXXX | $XXXXXX D A B |
| 500_527 |  | XXXXX | $XXXXXX D A |
| 500_528 |  | XXXXX | $XXXXXX C A |
| 500_529 |  | XXXXX | $XXXXXX B C A |
| 500_530 |  | XXXXX | $XXXXXX A |
| 500_513 |  | XXXXX | $XXXXXX C A |

---

## Exhibit 99.8

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 500_512 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 500_506 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_503 |  | XXXXX | $XXXXXX |  | $XXX | 58.82% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_536 |  | XXXXX | $XXXXXX |  | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_500 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_510 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_530 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_535 |  | XXXXX | $XXXXXX |  | $XXX | 64.13% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_534 |  | XXXXX | $XXXXXX |  | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_542 |  | XXXXX | $XXXXXX |  | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 500_501 |  | XXXXX | $XXXXXX |  | $XXX | 69% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_504 |  | XXXXX | $XXXXXX |  | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_541 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | -6.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 500_499 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 500_496 |  | XXXXX | $XXXXXX | $XXX | $XXX | 66.67% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 500_537 |  | XXXXX | $XXXXXX |  | $XXX | 75.89% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_507 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_502 |  | XXXXX | $XXXXXX |  | $XXX | 87.86% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_533 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 500_497 |  | XXXXX | $XXXXXX |  | $XXX | 67.4% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_540 |  | XXXXX | $XXXXXX |  | $XXX | 58.8% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 500_514 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_509 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | Not Eligible |
| 500_508 |  | XXXXX | $XXXXXX |  | $XXX | 36.41% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_515 |  | XXXXX | $XXXXXX | $XXX | $XXX | 78.46% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 500_543 |  | XXXXX | $XXXXXX |  | $XXX | 68.5% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | Not Eligible |
| 500_539 |  | XXXXX | $XXXXXX |  | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | -1.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 500_538 |  | XXXXX | $XXXXXX |  | $XXX | 69.69% | XX/XX/XXXX | $XXX | Form 72 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 500_544 |  | XXXXX | $XXXXXX | $XXX | $XXX | 46.4% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 500_545 |  | XXXXX | $XXXXXX |  | $XXX | 74.59% | XX/XX/XXXX | $XXX | Form 72 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 500_546 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | Form 465 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 500_547 |  | XXXXX | $XXXXXX |  | $XXX | 74.71% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_548 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 500_549 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_550 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 500_551 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 500_552 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_553 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_498 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 500_511 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_516 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 500_517 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_518 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 500_519 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 500_520 |  | XXXXX | $XXXXXX |  | $XXX | 23.62% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 500_521 |  | XXXXX | $XXXXXX |  | $XXX | 71.04% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_522 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 500_523 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 500_524 |  | XXXXX | $XXXXXX |  | $XXX | 62.5% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 500_525 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 500_526 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 500_527 |  | XXXXX | $XXXXXX |  | $XXX | 63.91% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 500_528 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | -1.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 500_529 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 500_513 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $X.XX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |

---

## Exhibit 99.8

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 500_538 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_538 | XXXXX | Property_Type | SFR | 2 Family | FALSE |
| 500_539 | XXXXX | Property_Type | SFR | 2 Family | FALSE |
| 500_540 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_541 | XXXXX | Property_Type | SFR | 3 Family | FALSE |
| 500_542 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_544 | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 500_544 | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 500_544 | XXXXX | Property_Type | SFR | Townhouse (Do not report as PUD) | FALSE |
| 500_545 | XXXXX | Property_Type | SFR | 2 Family | FALSE |
| 500_546 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_547 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_548 | XXXXX | Property_Type | SFR | 2 Family | FALSE |
| 500_549 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_551 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_552 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_496 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_497 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_499 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_499 | XXXXX | Property_Type | SFR | 2 Family | FALSE |
| 500_504 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_506 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_509 | XXXXX | Property_Type | SFR | 1 Family Attached | FALSE |
| 500_510 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_510 | XXXXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 500_512 | XXXXX | Property_Type | SFR | 1 Family Attached | FALSE |
| 500_516 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_518 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_520 | XXXXX | Property_Type | SFR | 2 Family | FALSE |
| 500_522 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_523 | XXXXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 500_524 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_525 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |
| 500_526 | XXXXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 500_528 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 500_528 | XXXXX | Property_Type | SFR | Condo | FALSE |
| 500_529 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 500_530 | XXXXX | Property_Type | SFR | PUD (Only for use with Single Family Detached Homes with PUD riders) | FALSE |

---

## Exhibit 99.9

![](n3137_x3-stimg004.jpg)

**Bravo 2023-NQM2**

**February 10, 2023**

**EXECUTIVE NARRATIVE:**

This Executive Summary summarizes the independent third-party due diligence review (the "Review") conducted on 2 residential mortgage loans by Recovco Mortgage Management, LLC ("Recovco") on behalf of its Loan Funding Structure III LLC, ("Client").

Recovco's reports, which are to be made available to the recipient by the Client, include the loan-level results of Recovco's independent, third-party due diligence review conducted for the Client.

Recovco performed certain due diligence services described below on residential mortgages. The review was conducted on behalf of Client from December 2020 to December 2021 via file images provided by the Client for the review.

The table below identifies the origination channel for the loans in the subject review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> **Origination Channel** | &nbsp;&nbsp; <br> **Loan Count** | &nbsp;&nbsp; <br> **Percentage Of Reviewed Population (by count)** |
| &nbsp;&nbsp; <br> Broker | &nbsp;&nbsp; <br> 1 | &nbsp;&nbsp; <br> 50% |
| &nbsp;&nbsp; <br> Correspondent Bulk | &nbsp;&nbsp; <br> 1 | &nbsp;&nbsp; <br> 50% |
| &nbsp;&nbsp; <br> **Total** | &nbsp;&nbsp; <br> **2** | &nbsp;&nbsp; <br> **100.00%** |

---

**DESCRIPTION OF SERVICES:**

Recovco was instructed to perform a credit, regulatory compliance, data validation, and valuation review (the "Review Population") in accordance with national recognized statistical rating organization Fitch Ratings, Inc ("NRSRO(s)") review standards in place as of the review date.

Page 2 of 19

**LOAN REVIEW POPULATION:**

Recovco does not know the size of the overall securitization population and other third-party review firms that may have been engaged.

The table below summarizes the reviews conducted by Recovco:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |

---

**DATA INTEGRITY:** 

Where available, Recovco compared the data fields below on the bid tape provided by the Client to the data found in the actual file as captured by Recovco. This information may not have been available for all mortgage loans. This comparison included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1<sup>st</sup> Rate Chg Date | &nbsp;&nbsp;Rate Index | &nbsp;&nbsp;Rounding Code |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;Sale Price | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lookback Period |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;LTV | &nbsp;&nbsp;MI Company | &nbsp;&nbsp;Neg Am Flag | &nbsp;&nbsp;Initial Rate Cap |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;CLTV | &nbsp;&nbsp;MI Coverage | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;Periodic Rate Cap |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;Life Rate Cap |
| &nbsp;&nbsp;State | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Life Rate Floor |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp; DTI | &nbsp;&nbsp;Next Rate Chg Date | &nbsp;&nbsp;Reset Frequency |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Self Employed Flag | &nbsp;&nbsp;First Pmt Chg Date |  |
| &nbsp;&nbsp;Orig Credit Score | &nbsp;&nbsp;Interest Only Flag |  | &nbsp;&nbsp;Next Pmt Chg Date |  |

---

**CREDIT UNDERWRITING:**

Recovco performed a review of the loan package to determine whether such package meets the credit and property underwriting criteria of applicable guidelines, in effect at the time of such loan's origination and that adequate support for the underwriting decision is contained in the file. Recovco reported to Client any exceptions utilizing Client accessed Recovco systems or other mutually agreed upon written report.

To complete these activities, Recovco completed a review utilizing the following review scope:

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Recovco will review 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 Recovco and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file will also be performed.

Credit Application: For the Credit Application, Recovco will verify 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: Recovco's review will include confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Recovco: will (i) capture the monthly consumer debt payments for use in relevant calculations, (ii) note and research the Real Estate Owned and fraud alerts, and (iii) gather data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

Employment and Income: Recovco will determine 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 will be used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and for certain programs (vii) bank statements.

Asset Review: Recovco will assess 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, Recovco will complete 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, (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: Recovco will review the insurance present on the mortgage loan. During this review, Recovco will (i) verify that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirm that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirm that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) review the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirm that the flood certification was for the correct borrower, property, lender and mortgage loan number, and (vi) complete 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, Recovco will verify that DU findings included an approved/eligible decision as required per guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and not AUS findings.

Occupancy Review: Recovco will confirm 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: Recovco will confirm 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 to be examined include (i) DTI of the borrower, (ii) the

Page 4 of 19

LTV/CLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

Fraud Review: Recovco will review 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, Recovco will condition the mortgage loan for the missing fraud report product.

If a report was present, Recovco will review 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 are noted, Recovco will confirm 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.

Additional Review of Mortgage Loan File: Recovco will review the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in this portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, and (ii) the presence of loan modification documents, and (iii) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

**REGULATORY COMPLIANCE REVIEW:**

Please be advised that Recovco 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 Recovco are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Recovco is relying in reaching such findings.

Please be further advised that Recovco does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Recovco do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Recovco. Information contained in any Recovco report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Recovco 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 Recovco 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. Recovco does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been

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reviewed by Recovco.

**Regulatory Compliance Analysis:** TPR will test each Mortgage Loan to verify that it 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 Mortgage Loan meets (i) the 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; (ii) the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024; (iii) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations (as applicable); and (iv) the disclosure requirements and prohibitions of the applicable state and local laws and ordinances that were enacted to combat predatory lending.

**1.**  **<u>The following section is applicable to Mortgage Loans with an application date on or after October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following documents
for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial and Re-disclosed Loan Estimates ("LE")

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (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;viii. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/Higher-Priced 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. Review of federal, state & local high cost, higher-priced and/or anti-predatory laws and regulations,
including those set forth on <u>Schedule 1</u>. 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 must be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Missing initial application / rate lock confirmation – If missing initial application, missing initial
application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of
high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a 6-month window prior to closing date for missing application
date; and (2) all dates between application and closing for missing rate set date. Other evidence in file (e.g. date of initial disclosures,
rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined on a case by case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to determine compliance
with the requirements of TILA/Regulation Z including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 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, recalculation of
disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within
the required timeframe;

&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. Loan Estimate ("LE"):

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the presence of the current LE in effect at the time of origination;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify LE was provided to the borrower(s) within three (3) business days of the date the lender (or broker
if applicable) received an "application" and at least 7 business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify LE was provided to the borrower(s) within three (3) business days of: (a) the date the rate was
locked; and (b) the date an expired rate lock was re-locked (if applicable). Evidence of rate lock (e.g., rate lock agreement, screen
shot) is necessary to confirm rate lock date. A revised LE is not required to be disclosed if the rate has been extended with no other
changes to the previously disclosed interest-rate dependent charges or terms provided the borrower has not entered into a new rate lock
agreement with the lender.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify the final LE was provided at least 4 business days prior to consummation and that no LE was provided
to the borrower after a CD was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify all sections of the LE were accurately completed and that information was reflected in the appropriate
locations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Determine whether a valid and properly documented reason (changed circumstance affecting settlement charges,
changed circumstance affecting eligibility, revision requested by the consumer, interest rate has been locked, LE has expired, delayed
settlement date on construction loan) accompanies a revised LE containing any increase in fee(s) (subject to the good faith provisions
in 12 CFR § 1026(e)(3)), and verify if an LE was provided within 3 business days of the lender's (or broker's) receipt
of information sufficient to establish that a reason for a revision applies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Any increase in (1) a fee that is subject to zero tolerance or (2) fees that cause the aggregate amount
of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% that are disclosed on a LE but not accompanied by
one of the six specified reasons should be disregarded for purposes of tolerance testing, including any reset of tolerances. For
that fee, the amount on the previously properly-disclosed LE should be used for testing of the zero and 10% tolerance categories. All
other fees that have changed and are disclosed in compliance with TILA should be included in the tolerance testing, including changes
to interest-rate related charges that change while the interest rate is floating and/or change upon re-disclosure within three (3) business
days of rate lock or re-lock.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) are permissible provided there is no evidence
that the lender (or broker, if applicable) did not disclose the increase based on the best information reasonably available at the time
(e.g. failure to disclose a homeowner's insurance premium when homeowner's insurance is required; prepaid interest amounts
that are not consistent with the date the loan will close or with changes to loan terms).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Documentation that simply restates the change (e.g. fee increased) with no further explanation is not
sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. A difference between the disclosed Total Interest Percentage (TIP) and the calculated TIP (either under-
or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the loan payment to whole cents as
permitted by 12 CFR § 1026.17(c)(3), this should be noted in the 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;iii. Closing Disclosure ("CD"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the current applicable CD was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify all sections of the CD were accurately completed and that information was reflected in the appropriate
locations;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify that the borrower, or each consumer with the right to rescind the transaction (if applicable),
was provided with a copy of the CD within 3 business days of consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. If the initial CD has been provided in lieu of a revised LE because there were fewer than four business
days between the time the revised LE was required to be delivered and consummation, the CD may be used to reset fee tolerances provided
the loan did in fact close within that timeframe and valid changed circumstances are documented to support fee increases as discussed
below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Any increase in (1) a fee that is subject to zero tolerance or (2) fees that cause the aggregate amount
of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% is limited to one of the six reasons specified in
the rule (changed circumstance affecting settlement charges, changed circumstance affecting eligibility, revision requested by the consumer,
interest rate has been locked, LE has expired, delayed settlement date on construction loan).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Any of these increased fees that are disclosed on the CD but not accompanied by one of the six specified
reasons should be disregarded for purposes of tolerance testing, including any reset of tolerances. For that fee, the amount on
the previously properly-disclosed LE should be used for testing of the zero and 10% tolerance categories. All other fees that have changed
and are disclosed in compliance with TILA should be included in the tolerance testing, including changes to interest-rate related charges
that change while the interest rate is floating and/or change upon re-disclosure within three (3) business days of rate lock or re-lock).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Documentation that simply restates the change (e.g. fee increased, etc.) with no further explanation is
not sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) that are disclosed on the initial CD or
any re-disclosed CD are permissible provided there is no evidence that the lender did not disclose the increase based on the best information
reasonably available at the time (e.g. failure to disclose a homeowner's insurance premium when homeowner's insurance is required;
prepaid interest amounts that are not consistent with the date the loan will close or with changes to loan terms).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Any fees that are paid at closing by someone other than the borrower (e.g.; seller or other third party)
should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19I(3)(i) – (iii). For example,
if a $500 appraisal fee (for which the borrower could not shop) that was disclosed on the LE as paid in full or in part by the seller
increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the
increase had been re-disclosed subject to a valid changed circumstance. Fees paid by the lender should be reviewed for compliance with
12 CFR § 1026.19I(3)(i) (i.e.; an increased lender credit to cover an increased fee does not constitute a zero tolerance violation,
but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. A difference between the disclosed Total Interest Percentage (TIP) and the calculated TIP (either under-
or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the loan payment to whole cents as
permitted by 12 CFR § 1026.17I(3), this should be noted in the 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;H. For loans originated prior to October 10, 2017, any difference between the disclosed Total of Payments
(TOP) and the calculated TOP (either under- or over-disclosed) should be conditioned. Effective for loans originated on/after October

Page 8 of 19

10, 2017, the applicable tolerances in 12 CFR § 1026.23(g)(1)(ii) and § 1026.23(h)(2)(ii) (i.e. $35 tolerance for under-disclosure of TOP for loans subject to rescission) apply. TPR will note if a tolerance has been exceeded and, if so, the amount necessary to cure the tolerance violation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I. Review to confirm if any changes occurred before consummation that required a new 3-business day waiting
period and, if so, if revised disclosures were provided and the required waiting period was met;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. If the APR decreases by greater than 1/8 of one percentage point, (or ¼ of one percentage point
for an irregular transaction), confirm the disclosed APR resulted from the disclosed finance charge (i.e. the finance charge also decreased).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J. Review any CDs provided to the borrower post-consummation to confirm revised disclosures and refunds were
provided as required and within the required timeframes.

&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. Written Estimate of Terms or Costs – confirm that any term/cost estimate provided to the borrower
meets the content requirements of TILA and is not provided after the borrower has been, or is required to be, provided the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. A Written Estimate of Terms or Costs may be provided within the 3-business day period after the lender's
receipt of a loan application as long as the Written Estimate is provided before the borrower receives the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Written List of Settlement Service Providers:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the borrower was permitted to shop for any settlement services as evidenced by the LE, confirm the
Written List of Settlement Service Providers is in the Mortgage Loan File and meets the content requirements of TILA, including providing
the name of at least one provider for each service for which the borrower was permitted to shop; 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;1. If the borrower was permitted to shop for a settlement service as evidenced on the LE and the List of
Settlement Service Providers was not provided or did not list a provider for that service, the cost of the service must be included in
the ten percent tolerance category unless the settlement service provider was the creditor or an affiliate of the creditor, in which case
the cost of the service is considered an increase subject to the zero tolerance category. TPR will note if the tolerance has been exceeded
and, if so, the amount necessary to cure the tolerance violation. TPR will also note a violation for failing to provide at least one settlement
service provider for a service for which the borrower was entitled to shop.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify the List of Settlement Service Providers was provided to the borrower(s) at the time of the LE
disclosing the applicable service(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;vi. Special Information Booklet ("Your Home Loan Toolkit"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm the presence of the Special Information Booklet ("Your Home Loan Toolkit") in the
Mortgage Loan File or that the Mortgage Loan File contains sufficient evidence that the disclosure was provided to the borrower (*e.g.,* cover letter reflecting the Booklet as an enclosure) on purchase and construction (construction to permanent loans) Mortgage Loans; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Confirm the Special Information Booklet ("Your Home Loan Toolkit") was provided within three
(3) business days of the date the lender (or broker if applicable) received an "application."

Page 9 of 19

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration
date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining
if a full three (3) day rescission period was adequately provided to the borrower(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. A condition must be placed if the transaction is a refinance by the original creditor and the borrower
was provided the Form H-8 rescission notice. TPR will note in the condition whether or not there was a new advance that is subject to
rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Where the loan file contains evidence of a loan modification (other than a modification pursuant to the
Home Affordable Modification Program (HAMP), review file to determine if the loan was a true modification that would not require new TILA
disclosures. If not a true modification, must be treated as a refinancing for purposes of new TILA disclosures. Review
notes / mortgages / mod agreements & determine if existing note / mortgage have been satisfied and replaced. If so, qualifies
as refinancing unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Reduction in APR with corresponding change in payment schedule (shortening of maturity, reduction in payment
amount or number of payments). However, if maturity is lengthened or if payment amount or # of payments is increased beyond that
remaining on existing transaction, new disclosures are required; OR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Change in payment schedule or collateral requirements as a result of default/ delinquency. However, if
rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or a fixed rate loan is being
modified into an adjustable rate loan, new disclosures required.

&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. A review to ensure the Mortgage Loan meets the applicable Ability-to-Repay ("ATR") requirements
as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. For purposes of
such review, where loans were originated by a broker, consider the loan application date to be the date the loan file was received by
the original creditor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. 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;e. Equal Credit Opportunity Act/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;f. Fair Credit Reporting Act/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;g. Mandatory Arbitration – TPR will report
mandatory arbitration provisions present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Single Premium Credit Insurance – TPR will report single premium credit insurance policies or debt
cancellation agreements present in the loan file.

Page 10 of 19

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

**2.**  **<u>The following section is applicable to Mortgage Loans with an application date prior to October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Final HUD-1 Settlement Statement ("HUD-1"). If the final HUD-1 is missing, TPR will review
for compliance using the estimated HUD-1 if available in the file. TPR will report if the final HUD-1 is missing and note in the condition
that (a) testing was performed using an estimated HUD-1 or (b) there was no estimated or final HUD-1 in the file available for 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;vi. Initial, Final and Re-disclosed Truth in Lending Disclosures ("TIL")

&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 (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;viii. Initial and Re-disclosed Good Faith Estimates ("GFE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/Higher-Priced 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. Review of federal, state & local high cost, higher-priced and/or anti-predatory laws and regulations,
including those set forth on <u>Schedule 1</u>. 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 must be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Missing initial application / rate lock confirmation – If missing initial application, missing initial
application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of
high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a 6-month window prior to closing date for missing application
date; and (2) all dates between application and closing for missing rate set date. Other evidence in file (e.g. date of initial disclosures,
rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined on a case by case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to determine compliance with the applicable requirements of TILA/Regulation
Z including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review and comparison of the initial and final TIL, and any re-disclosed TIL(s), with a report outlining
any TILA violations, including a re-calculation of disclosed finance charge, proper execution by all required parties, principal and interest
calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure
differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration
date, ensuring proper execution of the Notice of Right to Cancel by all required parties verifying the disbursement date and determining
if a full three (3) day rescission period was adequately provided to the borrower(s);

Page 11 of 19

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. A condition must be placed if the transaction is a refinance by the original creditor and the borrower
was provided the Form H-8 rescission notice. TPR will note in the condition whether or not there was a new advance that is subject to
rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Where the loan file contains evidence of a loan modification (other than a modification pursuant to the
Home Affordable Modification Program (HAMP), review file to determine if the loan was a true modification that would not require new TILA
disclosures. If not a true modification, must be treated as a refinancing for purposes of new TILA disclosures. Review
notes / mortgages / mod agreements & determine if existing note / mortgage have been satisfied and replaced. If so, qualifies
as refinancing unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Reduction in APR with corresponding change in payment schedule (shortening of maturity, reduction in payment
amount or number of payments). However, if maturity is lengthened or if payment amount or # of payments is increased beyond that
remaining on existing transaction, new disclosures are required; OR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Change in payment schedule or collateral requirements as a result of default/ delinquency. However, if
rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or a fixed rate loan is being
modified into an adjustable rate loan, new disclosures required.

&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. For Mortgage Loans with an application date on or after January 10, 2014, a review to ensure the Mortgage
Loan meets the applicable Ability-to-Repay (ATR) and Qualified Mortgage (QM) qualifications as set forth in regulations promulgated by
the Consumer Financial Protection Bureau as found at 12 CFR 1026.43. For purposes of such review, where loans were originated by a broker,
consider the loan application date to be the date the loan file was received by the original creditor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA/Regulation X: Review to ensure compliance with the applicable requirements of RESPA/Regulation X
including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Good Faith Estimate (" <u>GFE</u> "):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the presence of the current GFE form in effect at the time of origination. Verify GFE was provided
to the borrower(s) within three (3) business days of the date the lender (or broker if applicable) received an "application,"
which is to be defined by the lender;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. RESPA 2010: Determine whether a valid and properly documented change in circumstance accompanies any re-disclosed
GFE containing the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. any change(s) to loan terms, including any increase in rate after the rate has been locked and/or change
to loan program; 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;2. Any increase in 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;ii. Final HUD-1: Confirm compliance with the RESPA requirements in effect as of origination of the Mortgage
Loan including, but 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;&nbsp;&nbsp;&nbsp;&nbsp;A. Current applicable HUD-1 form was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Escrow deposit on the HUD-1 matches the initial escrow statement amount; 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;C. Verify all sections of the HUD-1 were accurately completed and that information was reflected in the appropriate
locations.

Page 12 of 19

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. GFE and Final HUD-1 Comparison (RESPA 2010): Confirm compliance with the RESPA requirements in effect
as of origination of the Mortgage Loan including, but 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;&nbsp;&nbsp;&nbsp;&nbsp;A. Review changes disclosed on the latest GFE provided to the borrower to ensure that they were within the
allowed tolerances as set forth in the RESPA 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;B. Confirm Mortgage Loan terms and fees disclosed on the third page of the HUD-1 accurately reflected how
they were disclosed on the GFE and how the Mortgage Loan closed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. A change in loan amount from the latest GFE to the HUD-1 is acceptable and should not be conditioned.
Any other changes to loan terms must be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Review any attempt to cure a RESPA violation to ensure that the proper reimbursement was made and/or a
new HUD-1 was provided and that it was done within the required thirty (30) day window.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Additional RESPA/Regulation X Disclosures and Requirements: Confirm compliance with RESPA/Regulation X
documentation and timing requirements in effect at origination of the Mortgage Loan for other RESPA disclosures (Servicing Disclosure
Statement; Special Information Booklet; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Equal Credit Opportunity Act/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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Fair Credit Reporting Act/Regulation V: Confirm compliance with the 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;h. Mandatory Arbitration – TPR will test for mandatory arbitration provisions in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Single Premium Credit Insurance – TPR will test for purchase loans with 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;j. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Georgia and New Jersey – Vendor will report the following 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. Mortgage loans subject to the Georgia Fair Lending Act and originated between October 1, 2002 and March
6, 2003.

&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. Cash-out refinance mortgage loans originated between November 27, 2003 and July 5, 2004 that meet the
definition of a "covered home loan" pursuant to the New Jersey Homeownership Security Act.

Business Purpose Loan submitted pursuant to this Exhibit and designed by Client as a Business Purpose Loan will be automatically deemed and reported as "Exempt" and Recovco will not perform any ATR/QM Testing or TRID Testing.

Page 13 of 19

**<u>Qualified Mortgage</u>**

With respect to QM (Safe Harbor and Higher-priced) designated loans, Recovco 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, Recovco 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, Recovco then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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

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

Recovco 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, Recovco will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Recovco 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"). Recovco 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. Recovco's review is based on information contained in the loan file at the time it is provided to Recovco to review, and only reflects information as of that point in time.

Page 14 of 19

**VALUATION REVIEW:**

For each Mortgage Loan, Recovco performed Property Valuation Review Services in accordance with the following waterfall:

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

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

Other aspects of Recovco's review include (i) verifying that the address matched the mortgage note, (ii) noting whether the property zip code was declared a FEMA disaster area classified as IA (Individual Assistance) or IH (Individual and Household Assistance) after the valuation date and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

If more than one valuation was provided, Recovco will confirm consistency among the valuation products and if there are discrepancies that could not be resolved, Recovco will create an exception and work with the client on the next steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Recovco's review result in a variance of more than 10% then the client will be notified of such variance. If CU Score of 2.5 or less was allowed, then nothing further was required.

For each Mortgage Loan, Recovco will perform Property Valuation Review Services as indicated in the terms below:

&nbsp;&nbsp;&nbsp;&nbsp;1. **100% of the Loans:** Recovco will review
the origination appraisal for the foll o wing items:
(i) t h e age of t h e a p praisal,
(ii) verif i cation of the property address, (iii) c o mpleteness
a n d a c curacy o f
t h e ap p raisal form, (iv) v e rif i cat i on
of t h e ap p r aiser
licensing, (v) t h e com p arab l e s a l e s
analysis incl u d i ng
a g e, d i sta n ce,
a n d ad justme n ts,
(vi) zoning co n c erns, (vii) appraisal was performed
using approved forms, and (viii) made on an "as is" basis.

Page 15 of 19

&nbsp;&nbsp;&nbsp;&nbsp;2. **Additional valuation:** Recovco will review the additional valuation provided
from origination or ordered upon request: (i) t h e age of t h e
valuation, (ii) verif i cation of the property address, (iii) c o mpleteness
a n d a c curacy o f
t h e valuation form, (iv) t h e com p arab l e s a l e s
analysis incl u d i ng
a g e, d i sta n ce,
a n d ad justme n ts,
(v) zoning co n c erns, and (vi) made on an "as
is" basis.

**NRSRO GRADING CRITERIA:**

Upon completion of the loan file review, Recovco assigned grading which considered factors based on the review criteria, product, and NRSRO requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the following:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**CREDIT EVENT GRADE** | &nbsp;&nbsp;**CREDIT EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without exception or waiver. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. QM designation status has been confirmed. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan does not meet every applicable requirement of the underwriting guidelines; however, the majority of requirements are met, and strong compensating factors have been document in support of guideline exceptions. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet every applicable requirement of the underwriting guidelines due to limited, weak or no compensating factors to support the exception. Status of occupancy, employment, income and asset were not remedied or were remediated post-closing. Fully supported. Fraud was identified and/or credit document defects were not remedies or were remediated post-closing. Lender/aggregator QC designation was not confirmed. The loan file was not provided for review or not sufficiently document in order to complete the review. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** | &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. The loan has met ATR standards as documented by the originator and if applicable has been verified as a qualified mortgage. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Identified exceptions have been determined to be non-material and will not impact the enforceability of the loan and/or remediation of material defects has taken place and the remediated exception will not impact the ability to foreclose. All cures are fully and appropriately documented. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet every ATR standards, is missing required disclosures or contains inaccurate disclosures which have not been/cannot be remediated and/or a benefit to the borrower cannot be determined. The agreed upon loan terms do not align to legal documents and/or legal documents were not appropriately executed. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

Page 16 of 19

---

| | |
|:---|:---|
| &nbsp;&nbsp;**VALUATION EVENT GRADE** | &nbsp;&nbsp;**VALUATION EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Value is supported and within 10.00% of the original appraised value, the property is 100% complete and property and valuation meet the required underwriting guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The property is complete but may require minor repairs that do not affect the habituality, marketability or value or allowable incomplete repairs are supplemented with a builder holdback agreement as required by underwriting guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;Value is not supported within 10.00% of the original appraised value, the subject property constructions is not complete and/or appraisal was not on an as-is basis and final inspection is not documented. The appraisal was not conducted on an approved form and/or appraiser was not appropriately licensed. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was insufficient valuation documentation to perform a review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**OVERALL EVENT GRADE** | &nbsp;&nbsp;**OVERALL EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation guidelines and has sufficient accuracy and completeness of data to conduct a thorough review. |
| &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 are supported and substantially meet 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 an adequate review. |

---

Page 17 of 19

**FINDINGS SUMMARY:**

---

| | |
|:---|:---|
| &nbsp;&nbsp; <br> **OVERALL REVIEW RESULTS** | &nbsp;&nbsp; <br> **OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

Page 18 of 19

---

| | |
|:---|:---|
| &nbsp;&nbsp;**VALUATION REVIEW RESULTS** | &nbsp;&nbsp;**VALUATION REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY TABLE:**

For the 2 mortgage loans included within the Data Integrity population below list the results of the discrepancies

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field name** | &nbsp;&nbsp;**Loan Count** |
| &nbsp;&nbsp; Borrower First Name | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;1 |

---

Page 19 of 19

## Exhibit 99.9

---

| |
|:---|
| **Rating Agency Grading** |
| **Run Date - 1/30/2023** |

---

---

| | | |
|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Recovco Loan ID** | **Loan #1** | **Original Loan Amount** |
| XXXXXFM5F | 500_162 | $XXX,XXX A |
| XXXXXSKBQ | 500_303 | $XXX,XXX A |

---

## Exhibit 99.9

---

| |
|:---|
| **Loan Level Exceptions** |
| **Run Date - 1/30/2023** |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Project Name** | **Detailed Status** | **Initial Overall Grade** | **Final Overall Grade** | **Initial Credit** | **Initial Value** | **Initial Compliance** | **Final Credit** | **Final Value** | **Final Compliance** | **Material Exceptions** | **Non-Material Exceptions** | **Resolved Exceptions** | **Acknowledged Exceptions** |
| XXXXXFM5F | 500_162 | XXXXXX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |
| XXXXXSKBQ | 500_303 | XXXXXX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |  |

---

## Exhibit 99.9

---

| |
|:---|
| **Exception Level** |
| **Run Date - 1/30/2023** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan # 1** | **Exception Category** | **Exception Sub-Category** | **Exception Status** | **Exception Grade** | **Loan Exception ID** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Seller Comments** | **Reviewer Comments** | **Exception Remediation** |

---

## Exhibit 99.9

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 1/30/2023** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** |
| **Recovco Loan ID** | **Loan #1** | **Pool** | **Collateral Underwriter Risk Score** | **Freddie Mac LCA Score** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Final Value Used by Lender** | **Appraised Value** | **Appraisal Form Type** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Form Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Form Type** | **Company** | **Appraisal Date** | **Appraised Value** | **Appraisal Form Type** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Form Type** |
| XXXXXFM5F | 500_162 | XXXXX |  |  | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | XXXX | XXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | Desk Review [9] |  | XX/XX/XXXX |  |  |  |  |  |  | XXXXX | XXXX | XXXX | XXXX | 98.000% | XX/XX/XXXX | XXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXSKBQ | 500_303 | XXXXX | 99 |  | XX/XX/XXXX | $XXX,XXX | $XXX,XXX | XXXX | XXXX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXX | 6.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | -1.887% | Automated Valuation Model [7] | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.9

---

| |
|:---|
| **Data Comparison** |
| **Run Date - 1/30/2023** |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| XXXXXFM5F | 500_303 | Borrower #2 First Name | XXXXX | XXXXX |  |  | Initial |  |
| XXXXXSKBQ | 500_303 | Borrower #2 Last Name | XXXXX | XXXXX |  |  | Initial |  |
| XXXXXFM5F | 500_303 | Borrower First Name | XXXXX | XXXXX |  |  | Initial |  |
| XXXXXSKBQ | 500_303 | Borrower Last Name | XXXXX | XXXXX |  |  | Initial |  |

---

## Exhibit 99.9

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 1/30/2023** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **TILA Status** | **Application Date** | **TRID** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **B1 Citizenship Type** | **B2 Citizenship Type** | **Residual Income** | **HOA Name** | **Fee Amount** | **QM DTI** | **Asset Depletion Flag** | **Bank Statements Flag** | **Months of Bank Statements** | **Type of Bank Statements** | **Expense Ratio (Bank Statements)** | **Profit and Loss Flag** | **Profit And Loss Statement Type** | **Income Doc Detail** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Most Recent Deed in Lieu Date** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Months Foreclosure** | **Mortgage & Rental History 1x30** | **Mortgage & Rental History 1x60** | **Mortgage & Rental History 1x90** | **Guideline Name** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **DSCR** | **Qualifying P&I** | **B3 Citizenship Type** | **B4 Citizenship Type** | **Property Type** | **Number of Units** |
| XXXXXFM5F | 500_162 | Non-QM/Compliant | XX/XX/XXXX | No |  |  |  |  | XXX% | Employed |  | XXXXX |  |  |  |  |  | No | No |  |  |  | No |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.142% |  |  |  | Single Family | 1 |
| XXXXXSKBQ | 500_303 | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | XXX% |  |  | XXXXX | XXXXX |  | XXXXX | $XXX.XX |  | No | No |  |  |  | No |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  | $0.00 | 99 | No |  | 0 | 0 | 0 | 0 | 0 | 0.947% |  |  |  | PUD | 1 |

---

## Exhibit 99.9

---

| |
|:---|
| **S&P QM-ATR** |
| **Run Date - 1/30/2023** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Coborrower Last Name** | **Coborrower First Name** | **Property Address** | **Property City** | **State** | **Zip Code** | **TILA Status** | **QM Status** | **Application Date** | **GSE Eligible** | **Points and Fees (Reg Z)** | **Rate Lock Date** | **APR** | **Employment Indicator (Borrower)** | **Employment Indicator (Coborrower)** | **Citizenship Status (Borrower)** | **Citizenship Status (Coborrower)** | **Residual Income** |
| XXXXFM5F | 500_162 | September Flow | XXXXX | XXXXX |  |  | XXXX XXXXX | XXX | XXX | XXXXX | Non-QM/Compliant | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  | Employed |  | XXXX |  |  |
| XXXXXXSKBQ | 500_303 | DSCR Securitization Flow (November) | XXXXX | XXXXX | XXXXX | XXXXX | XXXX XXXXX | XXX | XXX | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX |  |  |  |  | Employed |  | XXXX | XXXX |  |

---

## Exhibit 99.9

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 1/30/2023** |

---

---

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| **Recovco Loan ID** | **Loan #1** | **Seller Name** | **Originator Name** | **Guideline Author** | **Guideline Name** | **Guideline Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Cross Collateralized Flag** | **Number of Mortgaged Properties** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Guarantor 1** | **Foreign National Guarantor 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Self Employment Flag** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Residency Status** | **Borrower 3 Self Employment Flag** | **Borrower 3 OriginalFICO:Equifax** | **Borrower 3 OriginalFICO:Experian** | **Borrower 3 OriginalFICO:TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Residency Status** | **Borrower 4 Self Employment Flag** | **Borrower 4 OriginalFICO:Equifax** | **Borrower 4 OriginalFICO:Experian** | **Borrower 4 OriginalFICO:TransUnion** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Citizenship** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Citizenship** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** |
| XXXXXFM5F | 500_162 |  | XXXXXX |  | XXXXX | XX/XX/XXXX | Yes | No | $X,XXX | $X,XXX | 1004 / 70 | Third Party Rental Source | X.XX% | $X,XXX.XX |  |  | No |  |  |  | $XXX.XX | $XXX.XX |  | 2 | 2 | XXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  | $XXX,XXX | 1 | XXXX | XXXX | 3 | 2 | XX | $XXX,XXX | XX | XX |
| XXXXXSKBQ | 500_303 |  | XXXXXX |  | XXXXX | XX/XX/XXXX | Yes | Yes | $X,XXX | $X,XXX | 1004 / 70 | Third Party Rental Source | X.XX% | $X,XXX.XX | Unavailable | Unavailable | Yes | $XX,XXX | Yes | $XXX.XX | $XXX.XX | $XXX.XX |  | 1 | 1 | XXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXX,XXX | 1 | XXXX | XXXX | 3 | 2 | XX | $XXX,XXX | XX | XX |

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