# EDGAR Filing Document

**Accession Number:** 0002109908
**File Stem:** 0001213900-26-060593
**Filing Date:** 2026-5
**Character Count:** 2268048
**Document Hash:** 0e97bca31fb43407cfb4cf935d0a9f39
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-060593.hdr.sgml**: 20260522

**ACCESSION NUMBER**: 0001213900-26-060593

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

**PUBLIC DOCUMENT COUNT**: 63

**CONFORMED PERIOD OF REPORT**: 20260522

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

**FILED AS OF DATE**: 20260522

**DATE AS OF CHANGE**: 20260522

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM7 LLC
- **CENTRAL INDEX KEY:** 0002109908

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08508
- **FILM NUMBER:** 261014193

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM7 LLC
- **CENTRAL INDEX KEY:** 0002109908

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM7 LLC
- **CENTRAL INDEX KEY:** 0002109908

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003

OMB Number: 3235-0675

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

**FORM ABS-15G**

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of sponsor: <u>0002109908</u>

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM7

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

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

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

Philip Sivin, 212-798-6100

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

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

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

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

**SIGNATURES**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
|  |  | NEW RESIDENTIAL FUNDING 2026-NQM7 LLC | NEW RESIDENTIAL FUNDING 2026-NQM7 LLC | NEW RESIDENTIAL FUNDING 2026-NQM7 LLC |
| Date: | May 22, 2026 | By: | /s/ Nicola Santoro, Jr. | /s/ Nicola Santoro, Jr. |
|  |  |  | Name: | Nicola Santoro, Jr. |
|  |  |  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Infinity Executive Summary](ea029201901_ex99-1.htm)

[Schedule 1 – Valuation Report](ea029201901_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea029201901_ex99-1sch2.htm)

[Schedule 3 – Data Compare](ea029201901_ex99-1sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea029201901_ex99-1sch4.htm)

[Schedule 5 – Individual Exception Report](ea029201901_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Opus Executive Summary](ea029201901_ex99-2.htm)

[Schedule 1 – Valuation Report](ea029201901_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea029201901_ex99-2sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea029201901_ex99-2sch3.htm)

[Schedule 4 – Standard Findings Report](ea029201901_ex99-2sch4.htm)

[Schedule 5 – Data Compare](ea029201901_ex99-2sch5.htm)

[Schedule 6 – ATR QM Report](ea029201901_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Clayton Executive Summary](ea029201901_ex99-3.htm)

[Schedule 1 – Valuations Summary](ea029201901_ex99-3sch1.htm)

[Schedule 2 – Non ATR QM Report](ea029201901_ex99-3sch2.htm)

[Schedule 3 – Conditions Detail](ea029201901_ex99-3sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea029201901_ex99-3sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea029201901_ex99-3sch5.htm)

[Schedule 6 – Loan Grades](ea029201901_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – AMC Executive Summary](ea029201901_ex99-4.htm)

[Schedule 1 – Valuation Summary](ea029201901_ex99-4sch1.htm)

[Schedule 2 – Business Purpose Report](ea029201901_ex99-4sch2.htm)

[Schedule 3 – Rating Agency Grades](ea029201901_ex99-4sch3.htm)

[Schedule 4 – Data Compare](ea029201901_ex99-4sch4.htm)

[Schedule 5 – Exception Grades](ea029201901_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report - Canopy Executive Summary](ea029201901_ex99-5.htm)

[Schedule 1 – Valuation Report](ea029201901_ex99-5sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea029201901_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea029201901_ex99-5sch3.htm)

[Schedule 4 – ATR QM Report](ea029201901_ex99-5sch4.htm)

[Schedule 5 – Data Compare](ea029201901_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea029201901_ex99-6.htm)

[Schedule 1 – Rating Agency Grades Report](ea029201901_ex99-6sch1.htm)

[Schedule 2 – Due Diligence Report](ea029201901_ex99-6sch2.htm)

[Schedule 3 – Valuations Report](ea029201901_ex99-6sch3.htm)

[Schedule 4 – Data Compare](ea029201901_ex99-6sch4.htm)

[99.7 - Third Party Due Diligence Report – Clarifii Executive Summary](ea029201901_ex99-7.htm)

[Schedule 1 – Rating Agency Grades Summary](ea029201901_ex99-7sch1.htm)

[Schedule 2 – ATR QM Report](ea029201901_ex99-7sch2.htm)

[Schedule 3 – Valuation Report](ea029201901_ex99-7sch3.htm)

[Schedule 4 – Data Compare](ea029201901_ex99-7sch4.htm)

[Schedule 5 – Rating Agency Grades Detail](ea029201901_ex99-7sch5.htm)

[Schedule 6 – Business Purpose Supplemental Extract](ea029201901_ex99-7sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

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![](ex99-1_002.jpg)

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![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM7**

**May 20, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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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 | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

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![](ex99-1_002.jpg)

**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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![](ex99-1_002.jpg)

**DESESCRIPTION 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 Rithm Capital Corp. ("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 two hundred and eighty-three (283) mortgage loans that were originally reviewed from February 2026 to May 2026.

**(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" 151<sup>1</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Credit Review" 283
 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Property Review" 283
 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 283
 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 two hundred and eighty-three (283) 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:

---

| | | | |
|:---|:---|:---|:---|
| &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 Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back 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 |  |

---

<sup>1</sup> One hundred and thirty-two (132) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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![](ex99-1_002.jpg)

**(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 two hundred and eighty-three (283) 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.

There were 22 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.

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**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 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.

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**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for ninety-eight (98) 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 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 two hundred and eighty-three (283) mortgage loans. For these two hundred and eighty-three (283) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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![](ex99-1_002.jpg)

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 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 one hundred and fifty-one (151) mortgage loans. one hundred and thirty-two (132) exempt loans were not subject to a compliance review and did not receive a compliance grade. 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.

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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:**

&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);

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ii) proper execution by all required parties;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>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

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, 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;

&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(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.

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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> 

&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)).

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.

 

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

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:**

&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;**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (283 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers two hundred and eighty-three (283) mortgage loans. Within those mortgage loans, Infinity graded two hundred and sixty-seven (267) mortgage loans as "A" and sixteen (16) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;267 | &nbsp;&nbsp;283 | &nbsp;&nbsp;267 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 |
| &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 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &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;94.35% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;94.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5.65% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5.65% |
| &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% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;267 | &nbsp;&nbsp;283 | &nbsp;&nbsp;267 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 |
| &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 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;94.35% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;94.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5.65% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5.65% |
| &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% |

---

16 \| P a g e

 ****

![](ex99-1_002.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (283 MORTGAGE LOANS)**

Of the two hundred and eighty-three (283) mortgage loans reviewed, 19 (6.71%) mortgage loans had tape discrepancies across two (2) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;283 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;16 | &nbsp;&nbsp;283 | &nbsp;&nbsp;5.65% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (283 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;283 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$163546037.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**283** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$163546037.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;283 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$163546037.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**283** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$163546037.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;67 | &nbsp;&nbsp;23.67% | &nbsp;&nbsp;$33061491.00 | &nbsp;&nbsp;20.22% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;8.48% | &nbsp;&nbsp;$12507964.00 | &nbsp;&nbsp;7.65% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;144 | &nbsp;&nbsp;50.88% | &nbsp;&nbsp;$80975957.00 | &nbsp;&nbsp;49.51% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;48 | &nbsp;&nbsp;16.96% | &nbsp;&nbsp;$37000625.00 | &nbsp;&nbsp;22.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**283** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$163546037.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.83% | &nbsp;&nbsp;$17661170.00 | &nbsp;&nbsp;10.80% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;258 | &nbsp;&nbsp;91.17% | &nbsp;&nbsp;$145884867.00 | &nbsp;&nbsp;89.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**283** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$163546037.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

 ****

![](ex99-1_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;134 | &nbsp;&nbsp;47.35% | &nbsp;&nbsp;$105638615.00 | &nbsp;&nbsp;64.59% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;17 | &nbsp;&nbsp;6.01% | &nbsp;&nbsp;$8721329.00 | &nbsp;&nbsp;5.33% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;132 | &nbsp;&nbsp;46.64% | &nbsp;&nbsp;$49186093.00 | &nbsp;&nbsp;30.07% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**283** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$163546037.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement, 1099 and P&L Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Platinum Summary (9.25.2025 v25.11).docx |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Product Summary (9.25.2025 v25.12).docx |
| &nbsp;&nbsp;RTL JV DTC WHL SmartEdge Product Summary (9.25.2025 v25.8).docx |
| &nbsp;&nbsp;SmartEdge 2-9-24.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 1-29-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary Correspondent 2-26-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary Newrez 9-25-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary - Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 1-29-26.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 2-26-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-2-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-29-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 2-26-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 8-28-25.pdf |

---

18 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **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** |
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **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** |
| 62 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 63 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.143% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4 |
| 65 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Not Applicable |
| 66 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.1 |
| 68 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3 |
| 69 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.1 |
| 70 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 71 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 72 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| 73 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -2.128% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 74 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -23.750% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 2.500% | XX | XX | Yes | 1 | 3 |
| 77 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.3 |
| 79 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 80 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.8 |
| 82 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.893% | XX | XX | No | Not Applicable | 2.3 |
| 83 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 84 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 85 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 86 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 88 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -1.923% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 94 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 96 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.2 |
| 97 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.9 |
| 98 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 99 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 101 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 103 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 104 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.2 |
| 106 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 108 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.2 |
| 110 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 111 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 113 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.1 |
| 120 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 121 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4 |
| 126 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 127 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.063% | XX | XX | No | 5 | 5 |
| 134 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| 137 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 138 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 141 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 142 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 |
| 151 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 155 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.8 |
| 160 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| 247 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.1 |
| 249 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 250 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 0 |
| 251 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 252 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 253 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 258 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.8 |
| 260 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
| 264 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 265 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.7 |
| 269 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 271 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.2 |
| 272 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 274 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 275 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 4.054% | XX | XX | No | Not Applicable | Not Applicable |
| 276 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 277 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.4 |
| 280 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 15.082% | XX | XX | No | 5 | 4.6 |
| 281 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 282 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 |
| 287 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 288 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
| 289 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 292 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.1 |
| 295 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.6 |
| 296 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 297 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 298 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 301 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -4.762% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 5 |
| 302 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 305 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 307 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 309 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.852% | XX | XX | Yes | 1.5 | 1.9 |
| 312 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 314 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.1 |
| 315 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 317 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3 |
| 318 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 320 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 321 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 13.809% | XX | XX | Yes | 1 | 1.9 |
| 322 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 323 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 324 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| 325 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.841% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.4 |
| 329 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 331 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 336 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -5.357% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 337 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.7 |
| 338 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 339 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| 340 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.8 |
| 342 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |
| 344 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 346 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.5 |
| 349 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 350 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 351 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -3.265% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 352 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 353 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 357 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.9 |
| 360 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.5 |
| 362 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 365 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 366 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Unavailable |
| 368 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Not Applicable |
| 369 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 371 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.5 |
| 372 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -20.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -2.000% | XX | XX | No | Not Applicable | 1.8 |
| 374 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 375 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
| 376 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.5 |
| 377 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 378 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| 380 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.8 |
| 381 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | Not Applicable |
| 384 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.266% | XX | XX | No | 4.5 | 4.9 |
| 385 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4 |
| 387 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
| 389 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 5 |
| 392 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.2 |
| 393 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4 |
| 394 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.2 |
| 395 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 396 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 398 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 399 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.7 |
| 401 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 403 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 404 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 405 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| 408 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.5 |
| 410 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 414 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 415 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 417 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.7 |
| 418 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 419 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 13.809% | XX | XX | No | Not Applicable | 1.8 |
| 421 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.1 |
| 422 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| 424 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.2 |
| 425 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 429 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 430 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 431 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 432 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.7 |
| 433 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.8 |
| 435 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 440 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.1 |
| 442 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 443 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.1 |
| 444 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.4 |
| 451 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3 |
| 452 | XX | XX |  | XX | XX | XX | XX | XX | XX | 2090 Individual Cooperative Interest Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 453 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 454 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 455 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.2 |
| 456 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 457 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 4.6 |
| 459 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 460 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.3 |
| 461 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
| 462 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.2 |
| 463 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2 |
| 464 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 467 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 468 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 6.557% | XX | XX | No | Not Applicable | 1.1 |
| 475 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -9.091% | XX | XX | Yes | 2 | 1 |
| 476 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 477 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 478 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 479 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
| 484 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 486 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 491 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.3 |
| 493 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 494 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.5 |
| 495 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 496 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.3 |
| 498 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 499 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.8 |
| 502 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 503 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.2 |
| 504 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.1 |
| 507 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 508 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.5 |
| 509 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 512 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.8 |
| 513 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 3.6 |
| 514 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.7 |
| 515 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.9 |
| 516 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 517 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 520 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 521 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.2 |
| 523 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.8 |
| 524 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 525 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 526 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 528 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 529 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.7 |
| 531 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 533 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.563% | XX | XX | No | 4.5 | 2.8 |
| 535 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 538 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 539 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 542 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 543 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 544 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 546 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 552 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 556 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 559 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 564 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 566 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 567 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 569 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 17.312% | XX | XX | No | Not Applicable | 2.6 |
| 572 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Unavailable | 2.8 |
| 573 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 574 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 575 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.1 |
| 582 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3.4 |
| 583 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
| 586 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 591 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.8 |
| 592 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 595 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 598 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 599 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 600 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.2 |
| 602 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 604 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | Not Applicable |
| 607 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 608 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | XX | 12.189% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 12.189% | XX | XX | No | Not Applicable | 4.4 |
| 611 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 612 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 613 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 619 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 622 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 625 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.6 |
| 633 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.4 |
| 634 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 638 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.1 |
| 639 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 642 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.544% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.2 |
| 643 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2 |
| 645 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.6 |
| 647 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4.3 |
| 650 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.7 |
| 652 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.2 |
| 654 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
| 657 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.5 |
| 658 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 659 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -8.929% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2 |
| 666 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 667 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| 668 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 671 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.6 |
| 672 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 675 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2 | 1.1 |
| 676 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3 |
| 677 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.9 |
| 682 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 683 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 686 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 688 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.7 |
| 691 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 694 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.7 |
| 697 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.9 |
| 703 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 704 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 706 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 710 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 718 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 719 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.1 |
| 722 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 2.113% | XX | XX | No | Not Applicable | 2.7 |
| 723 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 725 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 729 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.7 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **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** |
| 453 | XX | XX | XX | Alabama | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 398 | XX | XX | XX | New York | 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 | Not Applicable | Not Applicable |
| 723 | XX | XX | XX | Connecticut | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 110 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 638 | XX | XX | XX | Wisconsin | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 66 | XX | XX | XX | Texas | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 342 | XX | XX | XX | Ohio | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 725 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 404 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 312 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 435 | XX | XX | XX | Delaware | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 377 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85 | XX | XX | XX | Michigan | 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 | Not Applicable | Not Applicable |
| 650 | XX | XX | XX | Oregon | 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 | Not Applicable | Not Applicable |
| 72 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 462 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 329 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 491 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 336 | XX | XX | XX | New York | 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 | Not Applicable | Not Applicable |
| 543 | XX | XX | XX | Texas | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 103 | XX | XX | XX | Wisconsin | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 324 | XX | XX | XX | Washington | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 323 | XX | XX | XX | Illinois | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 68 | XX | XX | XX | North Carolina | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 98 | XX | XX | XX | Illinois | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 138 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 526 | XX | XX | XX | Massachusetts | 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 | Not Applicable | Not Applicable |
| 82 | XX | XX | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 160 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 566 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 418 | XX | XX | XX | Idaho | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74 | XX | XX | XX | North Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 531 | XX | XX | XX | California | XX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 639 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 494 | XX | XX | XX | Ohio | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 433 | XX | XX | XX | Texas | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 520 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 634 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 298 | XX | XX | XX | Ohio | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 417 | XX | XX | XX | Georgia | 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 | Not Applicable | Not Applicable |
| 264 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 101 | XX | XX | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 556 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 362 | XX | XX | XX | South Dakota | 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 | Not Applicable | Not Applicable D |
| 253 | XX | XX | XX | California | 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 | Not Applicable | Not Applicable |
| 410 | XX | XX | XX | California | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 455 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 378 | XX | XX | XX | Ohio | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 88 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 619 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 475 | XX | XX | XX | California | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 63 | XX | XX | XX | North Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 528 | XX | XX | XX | New York | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 535 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 376 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 602 | XX | XX | XX | Louisiana | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 456 | XX | XX | XX | Utah | 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 | Not Applicable | Not Applicable |
| 515 | XX | XX | XX | Texas | 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 | Not Applicable | Not Applicable |
| 514 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 430 | XX | XX | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 432 | XX | XX | XX | New Hampshire | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 351 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 595 | XX | XX | XX | North Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 250 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 337 | XX | XX | XX | Maryland | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 572 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 80 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 676 | XX | XX | 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 | Not Applicable | Not Applicable D |
| 718 | XX | XX | XX | Ohio | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 613 | XX | XX | XX | Alabama | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 599 | XX | XX | XX | Maryland | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 719 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 654 | XX | XX | XX | Oregon | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 704 | XX | XX | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 251 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 419 | XX | XX | XX | Tennessee | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 309 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 429 | XX | XX | XX | Arizona | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 598 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 292 | XX | XX | XX | Alabama | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 443 | XX | XX | XX | Alabama | XX | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 583 | XX | XX | XX | South Carolina | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 517 | XX | XX | XX | Louisiana | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 288 | XX | XX | XX | Texas | 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 | Not Applicable | Not Applicable |
| 79 | XX | XX | XX | Illinois | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 274 | XX | XX | XX | New York | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 295 | XX | XX | XX | Tennessee | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 366 | XX | XX | XX | New Hampshire | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 385 | XX | XX | XX | Utah | XX | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 321 | XX | XX | XX | Tennessee | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 652 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 425 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 567 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 672 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 282 | XX | XX | XX | Virginia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 486 | XX | XX | XX | Ohio | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 350 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 371 | XX | XX | XX | North Carolina | XX | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 307 | XX | XX | XX | New York | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 575 | XX | XX | XX | North Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 375 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 440 | XX | XX | 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 | Not Applicable | Not Applicable |
| 151 | XX | XX | XX | Tennessee | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 683 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 65 | XX | XX | XX | Texas | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 484 | XX | XX | XX | Washington | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 97 | XX | XX | XX | Texas | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 396 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 671 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69 | XX | XX | XX | South Carolina | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 503 | XX | XX | 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 | Not Applicable | Not Applicable |
| 305 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 706 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 552 | XX | XX | XX | Texas | 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 | Not Applicable | Not Applicable |
| 346 | XX | XX | XX | North Carolina | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 368 | XX | XX | XX | Tennessee | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 479 | XX | XX | XX | Colorado | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 694 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 349 | XX | XX | 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 | Not Applicable | Not Applicable D |
| 476 | XX | XX | XX | Arizona | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 499 | XX | XX | XX | New Jersey | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 431 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 287 | XX | XX | XX | Utah | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 495 | XX | XX | XX | Maryland | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 394 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 459 | XX | XX | XX | Illinois | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 622 | XX | XX | XX | Arizona | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 582 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 509 | XX | XX | XX | Colorado | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 452 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 691 | XX | XX | XX | Michigan | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 659 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 668 | XX | XX | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 667 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 521 | XX | XX | XX | Arizona | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 463 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 387 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 322 | XX | XX | XX | Louisiana | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 538 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 126 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 686 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 372 | XX | XX | XX | New York | 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 | Not Applicable | Not Applicable |
| 504 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 625 | XX | XX | XX | Montana | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 317 | XX | XX | XX | Ohio | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 591 | XX | XX | XX | South Carolina | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 414 | XX | XX | XX | Illinois | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 657 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 289 | XX | XX | XX | Virginia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 542 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 393 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 608 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 666 | XX | XX | 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 | Not Applicable | Not Applicable |
| 493 | XX | XX | XX | Ohio | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 468 | XX | XX | 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 | Not Applicable | Not Applicable |
| 71 | XX | XX | XX | Texas | 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 | Not Applicable | Not Applicable |
| 96 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 442 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 525 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 516 | XX | XX | XX | Washington | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 496 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 477 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 340 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 645 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 384 | XX | XX | XX | Utah | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 539 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 84 | XX | XX | XX | Ohio | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 607 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 369 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 523 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 546 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 478 | XX | XX | XX | Texas | XX | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 360 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 697 | XX | XX | XX | Florida | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 297 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 142 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 574 | XX | XX | XX | Florida | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 280 | XX | XX | XX | Georgia | XX | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 73 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 677 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 127 | XX | XX | XX | Nebraska | XX | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 260 | XX | XX | XX | Georgia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 155 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 675 | XX | XX | XX | Wisconsin | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 533 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 395 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 258 | XX | XX | XX | Florida | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 77 | XX | XX | XX | Vermont | XX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 265 | XX | XX | XX | South Carolina | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 121 | XX | XX | XX | South Carolina | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 592 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 389 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 113 | XX | XX | XX | Oklahoma | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 633 | XX | XX | 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 | Not Applicable | Not Applicable |
| 729 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 529 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 353 | XX | XX | XX | New York | 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 | Not Applicable | Not Applicable |
| 451 | XX | XX | XX | Tennessee | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 320 | XX | XX | XX | Nevada | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 498 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 357 | XX | XX | XX | Tennessee | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 512 | XX | XX | XX | Michigan | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 365 | XX | XX | XX | Kentucky | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 315 | XX | XX | XX | Texas | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 643 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 600 | XX | XX | XX | Ohio | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 612 | XX | XX | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 271 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 604 | XX | XX | XX | Oregon | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 108 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 564 | XX | XX | XX | Washington | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 405 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 380 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 688 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 424 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 508 | XX | XX | XX | Arizona | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 457 | XX | XX | XX | Utah | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 276 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 403 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 573 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 318 | XX | XX | 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 | Not Applicable | Not Applicable |
| 249 | XX | XX | XX | Maryland | 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 | Not Applicable | Not Applicable |
| 137 | XX | XX | XX | Maryland | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 399 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 559 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 106 | XX | XX | 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 | Not Applicable | Not Applicable |
| 344 | XX | XX | XX | New Jersey | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 281 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 99 | XX | XX | XX | Massachusetts | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 421 | XX | XX | XX | Nebraska | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 461 | XX | XX | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 710 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 611 | XX | XX | XX | Washington | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 642 | XX | XX | XX | Massachusetts | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 134 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 502 | XX | XX | XX | Oklahoma | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 247 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 269 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 296 | XX | XX | XX | Arizona | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 544 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 408 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 325 | XX | XX | XX | Washington | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 647 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 682 | XX | XX | XX | Wisconsin | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 141 | XX | XX | XX | Michigan | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 252 | XX | XX | XX | Missouri | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 272 | XX | XX | XX | California | 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 | Not Applicable | Not Applicable |
| 314 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 104 | XX | XX | XX | Utah | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 524 | XX | XX | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 381 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 62 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 415 | XX | XX | XX | Arkansas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 352 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 401 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 513 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 339 | XX | XX | XX | Oregon | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 460 | XX | XX | 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 | Not Applicable | Not Applicable |
| 111 | XX | XX | XX | South Dakota | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 120 | XX | XX | XX | Arizona | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 301 | XX | XX | XX | Wisconsin | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 569 | XX | XX | XX | Georgia | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 722 | XX | XX | XX | Utah | XX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 658 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83 | XX | XX | XX | Michigan | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 586 | XX | XX | XX | Illinois | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 467 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 392 | XX | XX | XX | Florida | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 454 | XX | XX | XX | Maryland | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 331 | XX | XX | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 277 | XX | XX | XX | Arizona | 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 | Not Applicable | Not Applicable |
| 374 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 507 | XX | XX | XX | Pennsylvania | 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 | Not Applicable | Not Applicable |
| 464 | XX | XX | XX | California | XX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 338 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 275 | XX | XX | XX | Nevada | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 703 | XX | XX | XX | Colorado | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 422 | XX | XX | XX | Washington | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 70 | XX | XX | XX | Ohio | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 444 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 302 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 97 | XX | XX |  | Residual Income | $46637.73 | $53775.01 | $-7137.28 | -13.27248% | Total verified monthly income equals $65,052.22, monthly PITIA equals $10,357.49 and all other debts equal $8,057.00. Residual income is $46,637.73. | Initial |
| 111 | XX | XX |  | Residual Income | $11541.20 | $0.00 | $11541.20 |  | Total verified monthly income equals $13,630.45, monthly PITIA equals $1,362.25 and all other debts equal $727.00. Residual income is $11,541.20. | Initial |
| 138 | XX | XX |  | Residual Income | $19400.66 | $18363.32 | $1037.34 | 5.64897% | Total verified monthly income equals $29,166.67, monthly PITIA equals $7,839.01 and all other debts equal $1,927.00. Residual income is $19,400.66. | Initial |
| 247 | XX | XX |  | Residual Income | $14732.96 | $13677.36 | $1055.60 | 7.71786% | Total verified monthly income equals $22,389.14, monthly PITIA equals $4,884.18 and all other debts equal $2,772.00. Residual income is $14,732.96. | Initial |
| 274 | XX | XX |  | Residual Income | $22740.22 | $21136.78 | $1603.44 | 7.58601% | Total verified monthly income equals $35,768.29, monthly PITIA equals $6,365.24 and all other debts equal $6,662.83. Residual income is $22,740.22. | Initial |
| 275 | XX | XX |  | Residual Income | $92690.50 | $87216.52 | $5473.98 | 6.27631% | Total verified monthly income equals $132,358.92, monthly PITIA equals $24,372.42 and all other debts equal $15,296.00. Residual income is $92,690.50. | Initial |
| 282 | XX | XX |  | Residual Income | $12983.37 | $14097.76 | $-1114.39 | -7.90473% | Total verified monthly income equals $23,750.00, monthly PITIA equals $10,766.63 and all other debts equal $0.00. Residual income is $12,983.37. | Initial |
| 296 | XX | XX |  | Residual Income | $8488.89 | $7393.07 | $1095.82 | 14.82225% | Total verified monthly income equals $12,494.73, monthly PITIA equals $3,728.84 and all other debts equal $277.00. Residual income is $8,488.89. | Initial |
| 307 | XX | XX |  | Residual Income | $18042.73 | $17196.63 | $846.10 | 4.92015% | Total verified monthly income equals $27,713.64, monthly PITIA equals $3,560.91 and all other debts equal $6,110.00. Residual income is $18,042.73. | Initial |
| 366 | XX | XX |  | Original Appraised Value | XX | XX | XX | 33.33333% | The Appraisal dated 3/XX/2026 reflects Original Appraised Value as $XX. | Initial |
| 424 | XX | XX |  | Residual Income | $16953.77 | $15617.97 | $1335.80 | 8.55296% | Total verified monthly income equals $28,427.62, monthly PITIA equals $10,170.85 and all other debts equal $1,303.00. Residual income is $16,953.77. | Initial |
| 444 | XX | XX |  | Residual Income | $9770.67 | $8702.10 | $1068.57 | 12.27944% | Total verified monthly income equals $15,734.90, monthly PITIA equals $4,595.23 and all other debts equal $1,369.00. Residual income is $9,770.67. | Initial |
| 468 | XX | XX |  | Original Appraised Value | XX | XX | XX | -6.15384% | The Appraisal dated 2/XX/2026 reflects Original Appraised Value as $XX | Initial |
| 475 | XX | XX |  | Residual Income | $15928.64 | $14898.35 | $1030.29 | 6.91546% | Total verified monthly income equals $26,861.63, monthly PITIA equals $9,105.99 and all other debts equal $1,827.00. Residual income is $15,928.64. | Initial |
| 516 | XX | XX |  | Residual Income | $56152.81 | $52257.05 | $3895.76 | 7.45499% | Total verified monthly income equals $69,166.67, monthly PITIA equals $10,833.86 and all other debts equal $2,180.00. Residual income is $56,152.81. | Initial |
| 569 | XX | XX |  | Residual Income | $38124.89 | $32494.32 | $5630.57 | 17.32785% | Total verified monthly income equals $62,064.89, monthly PITIA equals $18,030.00 and all other debts equal $5,910.00. Residual income is $38,124.89. | Initial |
| 586 | XX | XX |  | Residual Income | $4410.75 | $4176.54 | $234.21 | 5.60775% | Total verified monthly income equals $8,333.35, monthly PITIA equals $2,722.11 and all other debts equal $1,200.49. Residual income is $4,410.75. | Initial |
| 608 | XX | XX |  | Original Appraised Value | XX | XX | XX | -10.86486% | The Appraisal dated 12/XX/2025 reflects Original Appraised Value as $XX. | Initial |
| 647 | XX | XX |  | Residual Income | $24538.46 | $23047.12 | $1491.34 | 6.47083% | Total verified monthly income equals $40,474.55, monthly PITIA equals $10,462.09 and all other debts equal $5,474.00. Residual income is $24,538.46. | Initial |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **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** |
| 62 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 73.333% | 73.333% | Primary | Cash Out | 752 | 5.66 | Owner | 5.66 | $7713.71 | 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 | $35158.03 | 38.120% |  | Alternative | QC Complete | 04/21/2026 |
| 63 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 75.000% | 75.000% | Primary | Purchase | 789 |  | Owner | 13.67 | $56732.47 | Mos Reviewed:12<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 |  | 8.091% | Yes | Alternative | QC Complete | 04/22/2026 |
| 65 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 79.021% | 79.021% | Investor | Refinance | 800 |  |  |  |  | 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 | 04/13/2026 |
| 66 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Refinance | 800 |  |  |  |  | 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 | 04/13/2026 |
| 68 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 72.411% | 72.411% | Primary | Refinance | 709 | 1.66 | Owner | 8.16 | $34730.69 | 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 |  | 22.303% |  | Alternative | QC Complete | 04/13/2026 |
| 69 | XX | XX |  | XX | South Carolina | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception requested for subject property GLA less than 500sqft as per Guidelines condotel.<br>A copy of an exception approval letter is available in the loan file. | FICO: 764 FICO exceeds the guideline requirement of 700.<br>Reserves: The 73 months of available reserves are more than the guideline requirement of 24 months.<br>LTV: 75.00% LTV is less than the guideline requirement of 85.00%.<br>| Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Investor | Purchase | 764 |  |  |  | $15652.24 | 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 |  | 38.077% | No | Full Documentation | QC Complete | 04/14/2026 |
| 70 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 70.313% | 70.313% | Investor | Cash Out | 749 |  | Lineman | 5.92 | $14632.80 | 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 | $102941.23 | 38.279% |  | Full Documentation | QC Complete | 04/23/2026 |
| 71 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Provide a proof of document for Net sale proceeds of $XX.<br>04/16/2026 Resolved : The copy of net proceeds resolves the condition. |  |  | Single Family | xx | 38.023% | 38.023% | Investor | Purchase | 789 |  |  |  |  | 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 | 04/14/2026 |
| 72 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 55.385% | 55.385% | Primary | Purchase | 816 |  | Owner | 4.16 | $27005.97 | 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 |  | 20.442% | Yes | Alternative | QC Complete | 04/14/2026 |
| 73 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Investor | Purchase | 808 |  | Owner | 29.16 | $31208.33 | 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 |  | 28.554% | No | Full Documentation | QC Complete | 04/14/2026 |
| 74 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.000% | 70.000% | Primary | Purchase | 739 |  | Owner | 16.16 | $7583.33 | 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 |  | 27.745% | No | Alternative | QC Complete | 04/14/2026 |
| 77 | XX | XX |  | XX | Vermont | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Secondary | Cash Out | 755 |  | OWNER |  |  | 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 | $78319.15 | 33.517% |  | Full Documentation | QC Complete | 04/21/2026 |
| 79 | XX | XX |  | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 70.467% | 70.467% | Investor | Refinance | 806 |  | Physician General Surgery | 9.5 | $51372.84 | 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 |  | 23.836% |  | Full Documentation | QC Complete | 04/21/2026 |
| 80 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 21.834% | 21.834% | Investor | Purchase | 678 |  |  | 0.16 |  | 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 | 04/14/2026 |
| 82 | XX | XX |  | XX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 8.637% Allowed 7.630% Overby +1.007%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xx | 85.000% | 85.000% | Primary | Purchase | 701 |  | Independent Truck Driver | 3.25 | $10614.04 | 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 |  | 41.839% | No | Alternative | QC Complete | 04/14/2026 |
| 83 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 74.194% | 74.194% | Investor | Refinance | 757 |  |  |  |  | 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 | 04/14/2026 |
| 84 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 80.000% | 80.000% | Investor | Purchase | 777 |  |  |  |  | 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 | 04/21/2026 |
| 85 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing.<br>04/16/2026 Resolved: The condition has been resolved as CPL not required in Michigan. |  |  | Low Rise Condo (1-4 Stories) | xx | 47.170% | 47.170% | Investor | Purchase | 814 |  |  |  |  | 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 | 04/14/2026 |
| 86 | XX | XX |  | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 75.000% | 75.000% | Investor | Purchase | 746 |  |  |  |  | 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 | 04/21/2026 |
| 88 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 75.000% | 75.000% | Investor | Purchase | 692 |  | Test Safety Lead and Flight Safety Manager | 12.33 | $14503.00 | 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 |  | 44.250% | No | Full Documentation | QC Complete | 04/21/2026 |
| 94 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 85.000% | 85.000% | Investor | Purchase | 791 |  | Special Event Director | 2.42 | $6666.66 | 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 |  | 27.664% | No | Full Documentation | QC Complete | 04/21/2026 |
| 96 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 70.000% | 70.000% | Investor | Purchase | 770 |  | SR Director | 21.66 | $17860.71 | 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 |  | 39.033% | No | Full Documentation | QC Complete | 04/15/2026 |
| 97 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 60.367% | 60.367% | Primary | Refinance | 741 | 0.58 | President | 6.16 | $65052.22 | 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 |  | 28.307% |  | Alternative | QC Complete | 04/21/2026 |
| 98 | XX | XX |  | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 75.000% | 75.000% | Investor | Cash Out | 759 |  |  |  |  | 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 | $29980.09 |  |  | Alternative | QC Complete | 04/15/2026 |
| 99 | XX | XX |  | XX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 57.292% | 57.292% | Primary | Refinance | 788 | 0.5 | Medical Biller | 11.08 | $15721.71 | 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 |  | 31.202% |  | Alternative | QC Complete | 04/21/2026 |
| 101 | XX | XX |  | XX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 7.754% Allowed 7.490% Overby +0.264%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | xx | 90.000% | 90.000% | Primary | Purchase | 747 |  | Owner | 8.25 | $37067.19 | 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 |  | 31.003% | Yes | Alternative | QC Complete | 04/22/2026 |
| 103 | XX | XX |  | XX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 70.000% | 70.000% | Investor | Purchase | 746 |  |  |  |  | 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 | 04/23/2026 |
| 104 | XX | XX |  | XX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 26.986% | 26.986% | Secondary | Purchase | 801 |  | Dentist | 21.08 | $39134.05 | 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 |  | 48.167% | No | Alternative | QC Complete | 04/22/2026 |
| 106 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a updated Hazard Insurance(HO6) with Mortgagee Clause.<br>04/30/2026: Resolved. HO6 policy already in the file with mortgagee clasue.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Condo Questionnaire as the property is High rise condo with 12 stories.<br> 04/30/2026: Resolved. Received a completed project approval letter. |  |  | High Rise Condo (>=9 Stories) | xx | 80.000% | 80.000% | Investor | Purchase | 730 |  |  |  |  | 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:30<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/21/2026 |
| 108 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 68.856% | 68.856% | Primary | Cash Out | 804 | 29 | Owner | 16.75 | $8468.70 | 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 | $295622.65 | 34.836% |  | Alternative | QC Complete | 04/23/2026 |
| 110 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 90.000% | 90.000% | Primary | Purchase | 733 |  | Owneer | 2 | $32033.92 | 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 |  | 23.073% | Yes | Alternative | QC Complete | 04/15/2026 |
| 111 | XX | XX |  | XX | South Dakota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 20.833% | 20.833% | Primary | Purchase | 719 |  |  |  |  | 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 |  | 15.328% | No | Alternative | QC Complete | 04/23/2026 |
| 113 | XX | XX |  | XX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Refinance | 724 |  |  |  |  | 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 | 04/23/2026 |
| 120 | XX | XX |  | XX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a updated Title report to cover the loan amount $XX<br> 04/27/2026: Resolved. Title with coverage amount was in the file. |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Secondary | Purchase | 776 |  | Senior Vice President of Safety & Chief People Officer | 28 | $49490.74 | 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 |  | 42.528% | No | Full Documentation | QC Complete | 04/23/2026 |
| 121 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.000% | 70.000% | Secondary | Purchase | 787 |  |  |  |  | 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 | 04/24/2026 |
| 126 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Purchase | 727 |  |  |  |  | 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 | 04/15/2026 |
| 127 | XX | XX |  | XX | Nebraska | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Title and property details reflecting taxes of $11,199.09 and stated tax are $78,175.20. Provide a copy of tax certificate or tax info for subject property to verify the monthly tax amount of $6,514.60 as it is missing.<br>04/29/2026: this is a construction to perm. $11,199.09 is land only . the fully assessed tax amounts are not available. $6514.60 is the estimated monthly amount.<br>\*\*\* (CURED) TRID Violations - EV R<br> COMMENT: The Final CD shows a funding date of 04/XX/2026 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br>Resolved 04/28/2026: Loan is closing on 04/XX/2026 and Funding on 04/XX/2026. This is a construction loan, so rescission does not apply. |  |  | PUD | xx | 74.422% | 74.422% | Primary | Refinance | 749 | 2 | Senior Pastor | 29.08 | $41396.42 | 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 |  | 43.804% |  | Full Documentation | QC Complete | 05/11/2026 |
| 134 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 65.000% | 65.000% | Investor | Purchase | 809 |  |  |  |  | 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 | 04/24/2026 |
| 137 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Refinance | 772 |  |  |  |  | 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 | 04/24/2026 |
| 138 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Missing settlement statement or seller CD for the net proceeds in the amount of $XX<br>04/28/2026: Resolved. settlement statement in file shows $XX being transfered to escrow for this account. Along with proceeds of $56,195.55 to the borrower. |  |  | PUD | xx | 80.000% | 80.000% | Primary | Purchase | 770 |  | Executive Director | 2.67 | $29166.67 | 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 |  | 33.483% | No | Full Documentation | QC Complete | 04/24/2026 |
| 141 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 66.667% | 66.667% | Investor | Cash Out | 718 |  |  |  |  | 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 | $93796.06 |  |  | Alternative | QC Complete | 04/21/2026 |
| 142 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 68.500% | 68.500% | Primary | Purchase | 717 |  | Owner | 5.83 | $20730.79 | 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 |  | 49.768% | No | Alternative | QC Complete | 04/15/2026 |
| 151 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 53.553% | 53.553% | Primary | Refinance | 777 | 1 | Owner | 17.91 | $40748.83 | 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 |  | 16.414% |  | Alternative | QC Complete | 04/24/2026 |
| 155 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 63.542% | 63.542% | Secondary | Purchase | 749 |  | Senior Relationship Manager | 4 | $5730.77 | 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 |  | 49.598% | No | Full Documentation | QC Complete | 04/27/2026 |
| 160 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 69.983% | 69.983% | Investor | Purchase | 805 |  |  |  |  | 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 | 04/24/2026 |
| 247 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 59.302% | 59.302% | Primary | Purchase | 793 |  |  |  |  | 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 |  | 34.196% | No | Alternative | QC Complete | 04/16/2026 |
| 249 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Prepayment Rider Missing - EV R<br> COMMENT: Provide a copy of Prepayment rider as it is missing<br> 04/13/2026: Resolved. Received prepayment rider. |  |  | 2 Family | xx | 85.000% | 85.000% | Investor | Purchase | 732 |  |  |  |  | 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 | 04/07/2026 |
| 250 | XX | XX |  | XX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Investor | Purchase | 810 |  |  |  |  | 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 | 04/28/2026 |
| 251 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 85.000% | 85.000% | Investor | Purchase | 769 |  |  |  |  | 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 | 04/21/2026 |
| 252 | XX | XX |  | XX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 75.000% | 75.000% | Investor | Purchase | 761 |  |  |  |  | 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 | 04/21/2026 |
| 253 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX Provide a copy of the updated title supplement report to cover the loan amount.<br> 04/23/2026: Resolved. Received updated title. |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Refinance | 751 |  |  |  |  | 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 | 04/21/2026 |
| 258 | XX | XX |  | XX | Florida | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: (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>Higher-Priced Mortgage Loan Test: Charged 9.150% Allowed 7.930% Overby +1.220%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting exception for housing payment history, as borrower has lived rent free for 25 years and has no prior housing history in the last 3 years<br>A copy of an exception approval letter is available in the loan file. | FICO: 779 FICO exceeds the guideline requirement of 640.<br>DTI: 35.692% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 11 months of available reserves are more than the guideline requirement of 3 months.<br>| Low Rise Condo (1-4 Stories) | xx | 90.000% | 90.000% | Primary | Purchase | 779 |  | ACCT SPECIALIST | 3.33 | $3989.13 | 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 |  | 35.693% | Yes | Full Documentation | QC Complete | 04/22/2026 |
| 260 | XX | XX |  | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 55.814% | 55.814% | Investor | Cash Out | 690 |  |  |  |  | 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 | $59106.32 |  |  | Alternative | QC Complete | 04/21/2026 |
| 264 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Primary | Purchase | 732 |  | Owner/Register Officer | 12.25 | $132172.00 | 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 |  | 7.974% | No | Alternative | QC Complete | 04/22/2026 |
| 265 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX Provide a copy of the title supplement report to cover the loan amount.<br> 04/14/2026: Resolved Received updated title |  |  | Single Family | xx | 71.034% | 71.034% | Primary | Cash Out | 804 | 36 | Owner | 39.08 | $31867.80 | 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 | $371848.43 | 14.424% |  | Alternative | QC Complete | 04/07/2026 |
| 269 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 75.000% | 75.000% | Secondary | Purchase | 777 |  |  |  |  | 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 | Full Documentation | QC Complete | 04/22/2026 |
| 271 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 74.886% | 74.886% | Primary | Purchase | 689 |  | Owner | 7.83 | $66288.25 | 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 |  | 17.602% | No | Alternative | QC Complete | 04/28/2026 |
| 272 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Preliminary title does not reflect the amount of $XX title insured coverage amount. Provide a copy of supplemental report.<br> 04/27/2026: Resolved. Received updated title |  |  | 4 Family | xx | 81.967% | 81.967% | Investor | Purchase | 765 |  |  |  |  | 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 | 04/22/2026 |
| 274 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 72.573% | 72.573% | Primary | Refinance | 670 | 2.91 | Owner | 5.08 | $35768.29 | 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 |  | 36.424% |  | Alternative | QC Complete | 04/22/2026 |
| 275 | XX | XX |  | XX | Nevada | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 45.230% | 45.230% | Primary | Refinance | 767 | 7 | PHYSICIAN | 16 | $132358.92 | Mos Reviewed:13<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 |  | 29.970% |  | Full Documentation | QC Complete | 04/29/2026 |
| 276 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 774 |  | Owner/Jewlery | 5.25 | $150991.07 | 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 |  | 6.784% | No | Alternative | QC Complete | 04/22/2026 |
| 277 | XX | XX |  | XX | Arizona | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the Business Purpose Affidavit, signed by the borrower, as it is missing.<br> 04/13/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | PUD | xx | 80.000% | 80.000% | Investor | Purchase | 764 |  |  |  |  | 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 | 04/07/2026 |
| 280 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the title supplement report to cover the loan amount. The amount of title insurance $XX does not cover the loan amount $XX<br> 04/27/2026: Resolved. Received updated title | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception for acreage over maximum allowable.<br>A copy of an exception approval letter is available in the loan file. | FICO: 780 FICO exceeds the guideline requirement of 740.<br>DTI: 11.95% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $221,498.40 monthly<br>| Single Family | xx | 72.119% | 72.119% | Primary | Cash Out | 780 | 1.08 | Owner |  |  | 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 | $971.26 | 11.948% |  | Alternative | QC Complete | 04/22/2026 |
| 281 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Primary | Purchase | 790 |  |  |  | $14297.93 | 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 |  | 48.483% | No | Full Documentation | QC Complete | 04/16/2026 |
| 282 | XX | XX |  | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 68.571% | 68.571% | Primary | Purchase | 772 |  | Sr. Director, Design | 0.25 | $23750.00 | 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 |  | 45.333% | No | Full Documentation | QC Complete | 05/11/2026 |
| 287 | XX | XX |  | XX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Cash Out | 746 |  |  |  |  | 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 | $187909.76 |  |  | Alternative | QC Complete | 04/21/2026 |
| 288 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide the updated title report, including Schedules B, C, and D, as it is missing.<br> 04/16/2026: Resolved. Received updated title. |  |  | Single Family | xx | 78.698% | 78.698% | Investor | Purchase | 787 |  |  |  |  | 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 | 04/13/2026 |
| 289 | XX | XX |  | XX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Cash Out | 704 | 3.04 | Nail Tech | 8 | $7663.88 | Mos Reviewed:37<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 | $26936.85 | 41.548% |  | Alternative | QC Complete | 04/29/2026 |
| 292 | XX | XX |  | XX | Alabama | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 29.948% | 29.948% | Primary | Cash Out | 706 | 30.41 |  |  | $1555.90 | 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 | $61398.84 | 41.733% |  | Alternative | QC Complete | 04/16/2026 |
| 295 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 64.923% | 64.923% | Primary | Purchase | 804 |  |  |  |  | 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 | 04/22/2026 |
| 296 | XX | XX |  | XX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/27/2026: Resolved. Received updated title |  |  | PUD | xx | 78.638% | 78.638% | Primary | Refinance | 786 | 8 | Owner | 4.42 | $12494.73 | 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 |  | 32.060% |  | Alternative | QC Complete | 04/22/2026 |
| 297 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 75.000% | 75.000% | Investor | Cash Out | 733 |  | Owner | 8.08 | $12873.63 | 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 | $31744.65 | 45.684% |  | Alternative | QC Complete | 04/29/2026 |
| 298 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 85.000% | 85.000% | Investor | Purchase | 738 |  |  |  |  | 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 | 04/22/2026 |
| 301 | XX | XX |  | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 76.190% | 76.190% | Primary | Cash Out | 725 | 4.5 | President | 31.42 | $721858.15 | 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 | $150698.11 | 3.959% |  | Alternative | QC Complete | 04/08/2026 |
| 302 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | xx | 80.000% | 80.000% | Investor | Purchase | 773 |  | Principal BI Enginner | 14.5 | $14911.84 | 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 |  | 33.487% | No | Full Documentation | QC Complete | 04/08/2026 |
| 305 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 64.309% | 64.309% | Primary | Cash Out | 778 | 6 | Truck Driver | 7.33 | $15369.54 | 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 | $23297.45 | 11.066% |  | Alternative | QC Complete | 04/22/2026 |
| 307 | XX | XX |  | XX | New York | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Tenant purchasing from landlord and cannot fully document most recent 12 months rent payment<br>A copy of an exception approval letter is available in the loan file. | FICO: 730 FICO exceeds the guideline requirement of 640.<br>Residual Income : $17,196.63 monthly<br>DTI: 38.02% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 730 |  | Owner | 9.91 | $27713.64 | 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 |  | 34.896% | No | Alternative | QC Complete | 04/22/2026 |
| 309 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.000% | 70.000% | Primary | Cash Out | 741 | 3.08 | Partner | 21.75 | $629460.30 | 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 | $408645.82 | 3.765% |  | Alternative | QC Complete | 04/22/2026 |
| 312 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 798 |  | Owner | 7.83 | $14466.29 | 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 |  | 32.075% | Yes | Alternative | QC Complete | 04/08/2026 |
| 314 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 746 |  |  |  |  | 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 | 04/08/2026 |
| 315 | XX | XX |  | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount is not sufficient to cover loan amount, and master policy is being covered by the dwelling. The provided master policy has expired dated on 05/01/2025. Provide a copy of the updated master policy.<br>04/29/2026: Resolved. Received updated master insurance policy.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of XX bank statement account ending in #XX for the covering the period 12/01/2025-12/31/2025, as it is missing.<br> 04/28/2026: Resolved. Received bank statement. |  |  | Low Rise Condo (1-4 Stories) | xx | 85.000% | 85.000% | Primary | Refinance | 790 | 3.16 | Owner | 2.25 | $7695.27 | 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 |  | 41.555% |  | Alternative | QC Complete | 04/22/2026 |
| 317 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | 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 | 04/22/2026 |
| 318 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide verification for the $26.83 HOA fee included in the subject property's PITIA.<br> 04/14/2026: Resolved. Received Updated 1008 with HOA fee removed. |  |  | 2 Family | xx | 70.000% | 70.000% | Investor | Cash Out | 704 |  |  |  |  | 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 | $58634.18 |  |  | Alternative | QC Complete | 04/08/2026 |
| 320 | XX | XX |  | XX | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Purchase | 798 |  |  |  |  | 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 | 03/30/2026 |
| 321 | XX | XX |  | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Investor | Refinance | 749 |  |  |  |  | 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 | 04/29/2026 |
| 322 | XX | XX |  | XX | Louisiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 75.000% | 75.000% | Primary | Purchase | 770 |  | Baker | 1.5 | $10951.00 | 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 |  | 19.322% | Yes | Alternative | QC Complete | 04/22/2026 |
| 323 | XX | XX |  | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | 70.000% | 70.000% | Primary | Refinance | 805 | 0.5 | Owner | 3.5 | $10511.86 | 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 |  | 45.666% |  | Alternative | QC Complete | 04/08/2026 |
| 324 | XX | XX |  | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.000% | 70.000% | Investor | Cash Out | 764 |  |  |  |  | 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 | $196938.85 |  |  | Alternative | QC Complete | 04/08/2026 |
| 325 | XX | XX |  | XX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 70.000% | 70.000% | Investor | Cash Out | 711 |  |  |  |  | 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 | $70340.46 |  |  | Alternative | QC Complete | 04/22/2026 |
| 329 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 724 |  |  |  |  | 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 | 04/08/2026 |
| 331 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.781% | 70.781% | Primary | Refinance | 777 | 1 | Pet Sitting business owner | 3.58 | $7785.00 | 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 |  | 48.676% |  | Alternative | QC Complete | 04/22/2026 |
| 336 | XX | XX |  | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated hazard insurance with loss payable clause "ISAOA/ATIMA" to the mortgagee.<br>Resolved: Received updated HOI<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a VOM for property "XX" to verify the mortgage payment history.<br>Resolved. Received current credit report and prior expired credit report and mortgage statement showing payment history. |  |  | 2 Family | xx | 80.000% | 80.000% | Investor | Purchase | 763 |  |  |  |  | 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 | 04/28/2026 |
| 337 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Refinance | 726 |  |  |  |  | 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 | 04/08/2026 |
| 338 | XX | XX |  | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 9.395% Allowed 7.930% overby+1.465%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 653 |  | Owner | 7.25 | $11079.33 | 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 |  | 25.999% | Yes | Alternative | QC Complete | 04/23/2026 |
| 339 | XX | XX |  | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.835% | 70.835% | Primary | Cash Out | 763 | 5.42 | Owner | 25.08 | $10695.70 | 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 | $350818.80 | 40.097% |  | Alternative | QC Complete | 04/08/2026 |
| 340 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID violation due to credit report fee $225.50 increase on Revised CD dated 03/13/2026. Initial LE dated 02/XX/2026 reflects credit report fee as $200.00 however, Final CD dated 03/XX/2026 reflects the credit report fee as $225.50. Require PCCD/COC to cure the tolerance violation of $25.50.<br>Resolved 04/01/2026: Received COC dated 03/13/2026 and exception is cleared. |  |  | Single Family | xx | 85.000% | 85.000% | Primary | Purchase | 756 |  | Truck Driver | 4.58 | $4913.84 | 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 |  | 44.572% | Yes | Alternative | QC Complete | 03/26/2026 |
| 342 | XX | XX |  | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 72.211% | 72.211% | Primary | Refinance | 715 | 25.75 | Owner Operator | 21.42 | $9118.66 | 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 |  | 41.300% |  | Alternative | QC Complete | 04/08/2026 |
| 344 | XX | XX |  | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Cash Out | 743 | 2.08 | Co-Owner | 6.25 | $12848.53 | 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 | $83907.44 | 18.690% |  | Alternative | QC Complete | 04/08/2026 |
| 346 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: The Final Application lists Co-Borrower XX as unmarried, whereas the Deed of Trust indicates he is married. A correction is required in the Final Application to ensure consistency.<br> 04/15/2026: Resolved. Received updated 1003.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a supporting document confirming that the HOA fees for the subject property are $8.34 per month.<br> 04/15/2026: Resolved. Received proof of HOA amount. |  |  | Single Family | xx | 79.167% | 79.167% | Secondary | Purchase | 772 |  | Senior National Enterprise Executive |  | $10581.44 | 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 |  | 45.828% | No | Full Documentation | QC Complete | 04/08/2026 |
| 349 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of Secondary Valuation(CDA) as it is missing.<br>05/01/2026: Resolved. Received CDA. |  |  | Single Family | xx | 85.000% | 85.000% | Investor | Purchase | 752 |  |  |  |  | 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 | 04/28/2026 |
| 350 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 725 |  |  |  |  | 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 | 04/08/2026 |
| 351 | XX | XX |  | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 80.000% | 80.000% | Investor | Purchase | 774 |  |  |  |  | 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 | 04/23/2026 |
| 352 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Primary | Purchase | 743 |  | Owner | 16.08 | $196209.81 | 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 |  | 13.657% | No | Alternative | QC Complete | 03/30/2026 |
| 353 | XX | XX |  | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of bank statement for account "XX5" for the month of march 2025<br> 04/01/2026: Resolved. Received March statement<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Master policy expired. Provide an updated document.<br> 04/01/2026: Resolved. Received updated master policy |  |  | High Rise Condo (>=9 Stories) | xx | 80.000% | 80.000% | Investor | Purchase | 801 |  | Owner | 4.42 | $372248.88 | 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 |  | 5.420% | No | Alternative | QC Complete | 03/26/2026 |
| 357 | XX | XX |  | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Investor | Refinance | 749 |  |  |  |  | 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 | 04/30/2026 |
| 360 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 61.235% | 64.609% | Primary | Refinance | 796 | 1 | Project Architecture | 10.66 | $31650.22 | 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 |  | 35.015% |  | Full Documentation | QC Complete | 04/23/2026 |
| 362 | XX | XX |  | XX | South Dakota | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Quality of Appraisal Report Unacceptable - EV R<br> COMMENT: The completed CDA identifies a risk stating: "The gross adjustments for the comparables are less than typical. An extraordinary assumption was made that the subject property and all comparable sales are reported correctly; if this information is found to be inaccurate, the opinions and conclusions may be affected." Based on this commentary, a follow-up clarification or addendum from the original appraiser should have been obtained to further support the adjustments applied and the concluded value of the subject property. No updated appraisal or appraiser addendum was found in the loan file addressing this concern.<br>03/30/2026: Resolved. Received appraisal with appraisers addendum regarding adjustments.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The transaction vested in the name of the borrowers business however, the LLC agreement for this business which verifies the business' details for the loan file is missing the Notary seal. Business name: "XX".<br>03/18/2026 Resolved : Resolved as the Notary seal is not required for sellers business. |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 795 |  |  |  |  | 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 | 03/11/2026 |
| 365 | XX | XX |  | XX | Kentucky | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 746 |  | Owner | 9.58 | $13087.03 | 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 |  | 25.884% | No | Alternative | QC Complete | 04/23/2026 |
| 366 | XX | XX |  | XX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 64.912% | 64.912% | Investor | Purchase | 695 |  |  |  |  | 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 | 04/08/2026 |
| 368 | XX | XX |  | XX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide receipt or supporting documentation verifying the insurance and HOA fees for the subject property at XX.<br>04/30/2026: Resolved. Received LOE stating property is a vacant lot and there are no HOA or insurance on the property. Evidence of taxes are already in the file. |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Secondary | Purchase | 770 |  | Builder | 4.25 | $896.71 | 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 |  | 37.000% | No | Full Documentation | QC Complete | 04/23/2026 |
| 369 | XX | XX |  | XX | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID violation due to Appraisal Re-Inspection fee Added on Final CD dated 03/19/2026. Initial LE dated 01/XX/2026 reflects Appraisal Re-Inspection fee as $0.00 however, Final CD dated 03/XX/2026 reflects the Appraisal Re-Inspection fee as $200.00. Require valid COC or cure amount of $200.00.<br>Resolved 04/01/2026: Received COC dated 02/XX/2026 and exception is cleared.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 8.841% Allowed 7.620% Overby+1.221%.<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) | xx | 90.000% | 90.000% | Primary | Purchase | 749 |  | President | 3 | $4506.78 | 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 |  | 43.836% | Yes | Alternative | QC Complete | 03/26/2026 |
| 371 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 58.342% | 58.342% | Secondary | Refinance | 785 |  | ANESTHESIOLOGIST | 2.83 | $42533.36 | 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 |  | 23.621% |  | Full Documentation | QC Complete | 04/14/2026 |
| 372 | XX | XX |  | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the title supplement, which should cover the loan amount $XXX.<br>04/15/2026: The copy of final title policy resolves the condition.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Gift source is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received)<br> 04/14/2026: Resolved. Received copy of cashiers check and incoming wire information. |  |  | Low Rise Condo (1-4 Stories) | xx | 69.388% | 69.388% | Investor | Purchase | 773 |  |  |  |  | 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 | 04/09/2026 |
| 374 | XX | XX |  | XX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 7.556% Allowed 7.480% Overby +0.076%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xx | 69.963% | 69.963% | Primary | Cash Out | 665 | 19.16 | Entertainer | 17.83 | $6936.04 | 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 | $118128.92 | 44.998% |  | Alternative | QC Complete | 04/16/2026 |
| 375 | XX | XX |  | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: (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>Higher-Priced Mortgage Loan Test: Charged 8.638% Allowed 7.620% Overby +1.018%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Co-borrower XX does not meet the SmartSelf product requirement of at least two tradelines within the most recent 24 months, as only one tradeline is reported.<br>04/28/2026: Resolved. Received credit report with tradeline requirements. |  |  | Single Family | xx | 90.000% | 90.000% | Primary | Purchase | 728 |  | Owner | 2.75 | $6740.18 | 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 |  | 29.849% | No | Alternative | QC Complete | 05/11/2026 |
| 376 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 64.937% | 64.937% | Primary | Cash Out | 686 | 2 | Owner | 8.08 | $25155.00 | 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 | $92425.36 | 41.427% |  | Alternative | QC Complete | 04/09/2026 |
| 377 | XX | XX |  | XX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 80.000% | 80.000% | Investor | Purchase | 767 |  |  |  |  | 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 | 04/23/2026 |
| 378 | XX | XX |  | XX | Ohio | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the most recent bank statement, dated January 2026, for account number "XX 401(k)."<br>03/05/2026: Not Resolved. The approval is dated 02/XX/2026. The most recent statement is required which would be January.<br>03/20/2026: Not resolved. the guidelines state. Most recent bank statement(s) reflecting the ending balance of the bank account. Since the loan was locked 02/12/2026 the most recent statement would be 01/31/2026.<br> 04/08/2026: Not resolved. the guidelines state. Most recent bank statement(s) reflecting the ending balance of the bank account. Since the loan was locked 02/12/2026 the most recent statement would be 01/31/2026.<br> 04/10/2026: Resolved. The December statement would not be expired as of the date of closing. |  |  | Single Family | xx | 69.925% | 69.925% | Primary | Purchase | 796 |  |  |  |  | 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 | 02/26/2026 |
| 380 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 750 |  |  |  |  | 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 | 04/23/2026 |
| 381 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 70.000% | 70.000% | Primary | Cash Out | 666 | 2 | COO | 11 | $41729.09 | 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 | $196157.63 | 22.025% |  | Alternative | QC Complete | 04/23/2026 |
| 384 | XX | XX |  | XX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 62.794% | 62.794% | Primary | Purchase | 759 |  | CEO/President | 32.16 | $94984.49 | 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 |  | 18.271% | No | Alternative | QC Complete | 04/16/2026 |
| 385 | XX | XX |  | XX | Utah | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Title amount is not sufficient to cover loan amount of $XX, Provide a copy of title supplement report.<br> 04/15/2026: Resolved. Received updated title. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: There have been nine NSFs in the last 12 months, exceeding the guideline limit of six.<br>A copy of an exception approval letter is available in the loan file. | FICO: 704 FICO exceeds the guideline requirement of 700.<br>DTI: 34.04% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 65.10% LTV is less than the guideline requirement of 80.00%. | Single Family | xx | 65.101% | 65.101% | Primary | Cash Out | 704 | 18 | Owner | 31.16 | $12022.54 | 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 | $26329.71 | 34.044% |  | Alternative | QC Complete | 04/09/2026 |
| 387 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | xx | 75.000% | 75.000% | Secondary | Purchase | 806 |  | General Director | 24.16 | $23295.92 | 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 |  | 36.017% | No | Alternative | QC Complete | 03/30/2026 |
| 389 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 44.199% | 44.199% | Primary | Purchase | 800 |  |  |  |  | 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 | 04/23/2026 |
| 392 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 85.000% | 85.000% | Investor | Refinance | 739 |  |  |  |  | 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 | 04/09/2026 |
| 393 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Cash Out | 746 | 20.42 | Technician | 6.08 | $8045.19 | 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 | $53705.73 | 35.606% |  | Alternative | QC Complete | 05/11/2026 |
| 394 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Cash Out | 707 | 5.16 | President | 9.58 | $422387.05 | 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 | $182917.38 | 14.014% |  | Alternative | QC Complete | 04/23/2026 |
| 395 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 736 |  | Owner | 7.5 | $191795.80 | 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 |  | 12.315% | No | Alternative | QC Complete | 04/09/2026 |
| 396 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 805 |  | Co-owner | 26.08 | $11199.38 | 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 |  | 39.478% | Yes | Full Documentation | QC Complete | 04/09/2026 |
| 398 | XX | XX |  | XX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the evidence wire receipt for the gift amount of $XX, as it is missing.<br>04/30/2026: Resolved. Received a copy of a cashiers check for $XX |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Investor | Refinance | 736 |  |  |  |  | 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 | 04/21/2026 |
| 399 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 75.000% | 75.000% | Secondary | Purchase | 694 |  | Owner/CEO | 11 | $99684.80 | 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 |  | 38.107% | No | Alternative | QC Complete | 04/09/2026 |
| 401 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 775 |  | CRO/Principal | 23 | $54100.70 | 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 |  | 14.553% | No | Alternative | QC Complete | 04/24/2026 |
| 403 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 69.697% | 69.697% | Primary | Purchase | 776 |  | President | 24.66 | $8018.20 | 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 |  | 41.569% | No | Alternative | QC Complete | 04/23/2026 |
| 404 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 791 |  | President | 6.41 | $24562.27 | 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 |  | 32.504% | No | Alternative | QC Complete | 04/16/2026 |
| 405 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 664 |  | Owner | 2.75 | $115470.01 | 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 |  | 13.509% | No | Alternative | QC Complete | 04/24/2026 |
| 408 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 79.095% | 79.095% | Primary | Refinance | 732 | 1 | Owner | 6.33 | $38199.18 | 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 |  | 20.657% |  | Alternative | QC Complete | 04/10/2026 |
| 410 | XX | XX |  | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: 59 overdraft/non-sufficient funds (OD/NSF) transactions were recorded on XX business account #XX with XX between March 2025 and February 2026.<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 75 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 20.94% DTI is less than the maximum guideline requirement of 50.00%. | PUD | xx | 44.186% | 44.186% | Primary | Purchase | 674 |  | Owner | 30.25 | $59142.08 | 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 |  | 20.943% | No | Alternative | QC Complete | 05/14/2026 |
| 414 | XX | XX |  | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Primary | Purchase | 782 |  | Senior Project Manager | 25.33 | $8482.85 | 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 |  | 41.486% | Yes | Full Documentation | QC Complete | 04/14/2026 |
| 415 | XX | XX |  | XX | Arkansas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Investor | Purchase | 776 |  |  |  |  | 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 | 04/09/2026 |
| 417 | XX | XX |  | XX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing required 1-4 family rider - EV R<br> COMMENT: Provide a copy of 1-4 Family rider, as it is missing.<br> 04/08/2026: Resolved. Received 1/4 rider<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: Provide copies of pages 3 of 4 & 4 of 4 of the Note, as it is missing.<br> 04/07/2026: Countered. Still missing page 3 of note.<br> 04/10/2026: Resolved. Received all pages of the Note. |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 799 |  |  |  |  | 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 | 04/01/2026 |
| 418 | XX | XX |  | XX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 752 |  |  |  |  | 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 | 04/28/2026 |
| 419 | XX | XX |  | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 71.775% | 71.775% | Investor | Refinance | 749 |  |  |  |  | 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 | 04/29/2026 |
| 421 | XX | XX |  | XX | Nebraska | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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 Higher-Priced Mortgage Loan Test: Charged 8.794% Allowed 8.480% Overby +0.314%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xx | 89.990% | 89.990% | Primary | Purchase | 730 |  | Owner | 5.16 | $55084.44 | 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 |  | 20.271% | No | Alternative | QC Complete | 03/30/2026 |
| 422 | XX | XX |  | XX | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount.<br> 04/01/2026: Resolved. Received updated title. |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 765 |  | Sr Software Engineer | 3.75 | $14923.83 | Mos Reviewed:12<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 |  | 31.639% | Yes | Full Documentation | QC Complete | 03/26/2026 |
| 424 | XX | XX |  | XX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide an copy of updated Title Report to cover the loan amount $XX<br> 04/16/2026: Resolved. Received updated title. |  |  | PUD | xx | 80.000% | 80.000% | Primary | Purchase | 787 |  | President | 7.42 | $28427.62 | 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 |  | 40.362% | No | Full Documentation | QC Complete | 04/09/2026 |
| 425 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 80.000% | 80.000% | Primary | Purchase | 776 |  | ABA reportert | 5.17 | $15290.35 | 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 |  | 49.931% | Yes | Alternative | QC Complete | 03/27/2026 |
| 429 | XX | XX |  | XX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | xx | 75.000% | 75.000% | Investor | Cash Out | 774 |  |  |  |  | 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 | $126365.79 |  |  | Alternative | QC Complete | 04/08/2026 |
| 430 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Refinance | 709 | 15 | Owner | 4 | $8001.56 | 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 |  | 41.429% |  | Alternative | QC Complete | 04/24/2026 |
| 431 | XX | XX |  | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | 85.000% | 85.000% | Investor | Purchase | 730 |  |  |  |  | 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 | 05/11/2026 |
| 432 | XX | XX |  | XX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 71.856% | 71.856% | Investor | Purchase | 804 |  |  |  | $13200.60 | 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 |  | 41.101% | No | Alternative | QC Complete | 04/24/2026 |
| 433 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 62.193% | 62.193% | Primary | Refinance | 675 | 2 | Owner | 6.25 | $50600.00 | 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 |  | 37.054% |  | Alternative | QC Complete | 04/24/2026 |
| 435 | XX | XX |  | XX | Delaware | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 808 |  |  |  | $13154.51 | 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 |  | 38.523% | No | Alternative | QC Complete | 04/09/2026 |
| 440 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing secondary valuation.<br>05/01/2026: Resolved. Received CDA. |  |  | Single Family | xx | 71.591% | 71.591% | Investor | Cash Out | 730 |  |  |  |  | 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 | $83415.88 |  |  | Alternative | QC Complete | 05/11/2026 |
| 442 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 56.410% | 56.410% | Investor | Refinance | 709 |  |  |  |  | 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 | 04/09/2026 |
| 443 | XX | XX |  | XX | Alabama | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Land area of XX acres does not meet the guidelines for maximum allowed land area of 20 acres. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br> 04/01/2026: Waived: Received comp factors: Low risj CU score. Acreage of comps range from 10 to 35 acres confirming marketability. Appraisers provided indepth explanation of adjustment for site size and bases adjustments on vacant land sales in the sujects market area and 731 FICO. | 731 exceeds the minimum guideline requirement of 680.<br>Low risk CU score: The acreage of the comparable properties ranges from 10 to 35 acres, supporting the marketability of the subject property. The appraiser provided an in-depth explanation for the site size adjustments and based the adjustments on vacant land sales within the subject's market area.<br>| Single Family | xx | 75.000% | 75.000% | Investor | Purchase | 731 |  |  |  |  | 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 | 03/27/2026 |
| 444 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 32.933% | 32.933% | Primary | Refinance | 777 | 17 | Sales Agent | 5.25 | $13629.00 | 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 |  | 37.904% |  | Alternative | QC Complete | 04/24/2026 |
| 451 | XX | XX |  | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 44.886% | 44.886% | Investor | Cash Out | 778 |  |  |  |  | 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 | $150881.16 |  |  | Alternative | QC Complete | 04/09/2026 |
| 452 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Co-op | xx | 65.000% | 65.000% | Primary | Purchase | 766 |  | Owner | 20.17 | $413218.77 | 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 |  | 3.439% | No | Alternative | QC Complete | 04/09/2026 |
| 453 | XX | XX |  | XX | Alabama | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of supporting documentation (tax, insurance, or HOA fee receipt) for property XX reflecting the amount of $200.00.<br>03/26/2026: Countered. Still need proof of HOA<br>04/01/2026: Resolved. Received LOE that property is a SFR with no HOA. |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 792 |  | Owner pilot | 4.83 | $10203.74 | 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 |  | 41.944% | No | Alternative | QC Complete | 03/18/2026 |
| 454 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Refinance | 768 |  |  |  |  | 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 | 04/09/2026 |
| 455 | XX | XX |  | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 733 |  |  |  |  | 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 | 04/09/2026 |
| 456 | XX | XX |  | XX | Utah | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide settlement statement or final closing disclosure to verify the cash-out proceeds $XX (loan:XX).<br> 04/28/2026: Resolved. Received CD |  |  | 2 Family | xx | 80.000% | 80.000% | Investor | Refinance | 746 |  |  |  |  | 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 Mortgage |  |  |  | Alternative | QC Complete | 04/24/2026 |
| 457 | XX | XX |  | XX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved: Received updated title |  |  | Single Family | xx | 58.618% | 58.618% | Primary | Cash Out | 799 | 1.5 | Owner | 10.25 | $49276.02 | 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 | $248871.39 | 36.818% |  | Alternative | QC Complete | 04/28/2026 |
| 459 | XX | XX |  | XX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Investor | Purchase | 791 |  | Driver | 6.42 | $12350.15 | 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 |  | 42.942% | No | Full Documentation | QC Complete | 04/09/2026 |
| 460 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide updated CPA letter allowing borrower to use the 100% of funds with no impact on the business (XX).<br>05/01/2026: Resolved. No business assets are being used towards the transaction. Business account is used soley for qualifying income.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide updated bank statement worksheet business ownership from 100% to 57.5%.<br>05/01/2026: Resolved. Received updated income worksheet. |  |  | Single Family | xx | 48.951% | 48.951% | Investor | Cash Out | 786 |  | CEO | 3.66 | $544314.12 | 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 | $342165.43 | 5.483% |  | Alternative | QC Complete | 04/27/2026 |
| 461 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 40.426% | 40.426% | Primary | Cash Out | 746 | 29 | President | 15.75 | $97144.60 | 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 | $466.36 | 10.702% |  | Alternative | QC Complete | 04/28/2026 |
| 462 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 62.500% | 62.500% | Primary | Cash Out | 665 | 7.42 | Owner/Operator | 7.92 | $11837.12 | 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 | $115294.88 | 46.481% |  | Alternative | QC Complete | 04/15/2026 |
| 463 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 754 |  |  |  |  | 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 | 04/29/2026 |
| 464 | XX | XX |  | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing to use Asset Dissipation of a XX from 401k a previous employer when the borrower is not 59 1/2 and omitting the need for liquid assets until 59 1/2.<br>A copy of an exception approval letter is available in the loan file. | FICO: 768 FICO exceeds the guideline requirement of 700.<br>DTI: 41.349% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 69.44% LTV is less than the guideline requirement of 85.00%.<br>| Single Family | xx | 69.444% | 69.444% | Primary | Refinance | 768 | 0.16 | Principal Engineer | 7.75 | $24035.88 | 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 |  | 41.349% |  | Full Documentation | QC Complete | 05/11/2026 |
| 467 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Investor | Cash Out | 789 |  |  |  |  | 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 | $221657.38 |  |  | Alternative | QC Complete | 04/29/2026 |
| 468 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the 2025 Form 1120S for the borrower's business, XX<br>04/02/2026; Resolved: 2023 and 2024 1040 and 2023 and 2024 1120S with XX are the only returns received or filed yet. 2025 returns are nor yet required. |  |  | High Rise Condo (>=9 Stories) | xx | 80.000% | 80.000% | Investor | Purchase | 784 |  | President/Owner | 14.75 | $32871.46 | 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 |  | 31.530% | No | Full Documentation | QC Complete | 03/17/2026 |
| 475 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of title supplemental report to cover the loan amount of $XX<br> 04/28/2026: Resolved. Received updated title. |  |  | PUD | xx | 80.000% | 80.000% | Primary | Cash Out | 703 | 9.5 | Vice President of Advanc | 0.58 | $18333.34 | 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 | $44470.08 | 40.701% |  | Full Documentation | QC Complete | 04/24/2026 |
| 476 | XX | XX |  | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Secondary | Purchase | 752 |  | Key Account Manager | 13.33 | $9392.24 | 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 |  | 35.450% | No | Full Documentation | QC Complete | 04/10/2026 |
| 477 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Primary | Purchase | 773 |  |  |  |  | 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 | 04/10/2026 |
| 478 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: The subject transaction is a non-arm's length on investment property as the borrower is acquiring the property from their brother.<br>A copy of an exception approval letter has been received. | DTI: 43.47% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 201 months of available reserves are more than the guideline requirement of 6 months.<br>| 3 Family | xx | 80.000% | 80.000% | Investor | Purchase | 720 |  | Audit Associate | 0.75 | $7690.66 | 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 |  | 43.478% | No | Full Documentation | QC Complete | 04/10/2026 |
| 479 | XX | XX |  | XX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 52.941% | 52.941% | Investor | Purchase | 749 |  | VP sports and entertainment international | 20.58 | $24821.11 | 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 |  | 37.669% | No | Full Documentation | QC Complete | 03/27/2026 |
| 484 | XX | XX |  | XX | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing First time home buyer for living rent free<br>A copy of an exception approval letter is available in the loan file. | FICO: 780 FICO exceeds the guideline requirement of 720.<br>LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 37.76% DTI is less than the maximum guideline requirement of 43.00%. | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 780 |  | Owner | 2.33 | $21676.64 | 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 |  | 37.756% | Yes | Alternative | QC Complete | 05/11/2026 |
| 486 | XX | XX |  | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 63.265% | 63.265% | Primary | Purchase | 778 |  |  |  |  | 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 | 04/10/2026 |
| 491 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 73.367% | 73.367% | Investor | Refinance | 789 |  | Owner | 7.75 | $201667.30 | 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 |  | 7.600% |  | Alternative | QC Complete | 04/10/2026 |
| 493 | XX | XX |  | XX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | xx | 85.000% | 85.000% | Investor | Purchase | 793 |  |  |  |  | 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 | 04/10/2026 |
| 494 | XX | XX |  | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Refinance | 760 | 1 | Founder/CEO | 8.17 | $16452.69 | 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 |  | 41.420% |  | Alternative | QC Complete | 04/10/2026 |
| 495 | XX | XX |  | XX | Maryland | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated hazard insurance document. Premium is missing<br> 04/06/2026: Resolved. Received HO6 policy with premium |  |  | High Rise Condo (>=9 Stories) | xx | 75.000% | 75.000% | Secondary | Purchase | 767 |  | Pilot | 13.5 | $33277.45 | 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 |  | 40.799% | No | Full Documentation | QC Complete | 03/26/2026 |
| 496 | XX | XX |  | XX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/14/2026: Resolved. Received updated title |  |  | PUD | xx | 63.596% | 63.596% | Primary | Refinance | 755 | 2.16 | Doctor | 7.92 | $15112.02 | 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 |  | 31.901% |  | Alternative | QC Complete | 04/10/2026 |
| 498 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | xx | 70.000% | 70.000% | Secondary | Purchase | 793 |  | Mgr III Field Service/Sup | 37.92 | $13885.93 | 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 |  | 20.673% | No | Full Documentation | QC Complete | 04/24/2026 |
| 499 | XX | XX |  | XX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 69.674% | 69.674% | Primary | Purchase | 767 |  | Owner | 4.66 | $40369.28 | 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 |  | 17.451% | No | Alternative | QC Complete | 03/27/2026 |
| 502 | XX | XX |  | XX | Oklahoma | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 90.000% | 90.000% | Primary | Purchase | 771 |  | Owner | 15.83 | $12789.01 | 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 |  | 30.367% | No | Alternative | QC Complete | 04/10/2026 |
| 503 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of the Licensee Info or Affidavit Rider which is checked in the Deed of Trust.<br>04/24/2026: Resolved. Received the Licensee Information or Affidavit filed in accordance with Real Property document |  |  | Single Family | xx | 70.000% | 70.000% | Investor | Cash Out | 723 |  |  |  |  | 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 | $36235.35 |  |  | Alternative | QC Complete | 04/21/2026 |
| 504 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.000% | 70.000% | Primary | Cash Out | 641 | 21.92 | Owner | 9.16 | $7436.20 | 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 | $149697.68 | 37.633% |  | Alternative | QC Complete | 04/10/2026 |
| 507 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide an active lease agreement for subject property (unit 1 - 1001) with rent amount $1,550.00.<br> 04/24/2026: Resolved. The appraiser confirmed the current rent amount of $1550.00 for unit 1 on the appraisal The lease expired 03/2026 which is before the 1st payment date. The client used the lower amount of the lease vs the opinion of market rent to be conservative. |  |  | 2 Family | xx | 80.000% | 80.000% | 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 | 04/21/2026 |
| 508 | XX | XX |  | XX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of updated title report to cover the loan amount $XX.<br>04/24/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: CPA letter reflects ownership for XX isXX -50% & XX -50%.<br>Lender has calculated 100% of ownership for XX Provide an acceptance letter from XX to access full business income.<br>04/29/2026: Resolved. Both XX and XXy are on the loan. The income calculated is for both borrowers. |  |  | Single Family | xx | 74.286% | 74.286% | Primary | Cash Out | 722 | 4.75 | Owner | 8.25 | $41819.12 | 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 | $196016.01 | 28.969% |  | Alternative | QC Complete | 04/21/2026 |
| 509 | XX | XX |  | XX | Colorado | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing LTV exception for 80% vs 75% due to DSCR below 1.00<br>A copy of an exception approval letter is available in the loan file. | FICO: 763 FICO exceeds the guideline requirement of 720.<br>Reserves: The 31 months of available reserves are more than the guideline requirement of 6 months.<br>| PUD | xx | 80.000% | 80.000% | Investor | Purchase | 763 |  |  |  |  | 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 | 04/16/2026 |
| 512 | XX | XX |  | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 57.333% | 57.333% | Primary | Refinance | 742 | 13 | Owner | 3.5 | $58797.19 | 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 |  | 11.986% |  | Alternative | QC Complete | 04/21/2026 |
| 513 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 83.566% | 83.566% | Investor | Refinance | 723 |  | Owner | 9.17 | $23649.85 | 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 |  | 42.832% |  | Alternative | QC Complete | 04/15/2026 |
| 514 | XX | XX |  | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 2 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>Higher-Priced Mortgage Loan Test Charged 9.059% Allowed 8.630% Overby +0.429%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xx | 90.000% | 90.000% | Primary | Purchase | 749 |  | President/CEO | 3.92 | $198303.82 | 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 |  | 10.182% | No | Alternative | QC Complete | 03/27/2026 |
| 515 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a mortgage statement for the property XX" and supporting document for tax and insurance in the amount of $519.00.<br>04/30/2026: Resolved. Received proof of taxes, insurance and HOA. Mortgage is reporting on the credit report. |  |  | PUD | xx | 75.000% | 75.000% | Investor | Cash Out | 736 |  | Owner | 21.25 | $35952.41 | 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 | $154488.81 | 47.255% |  | Alternative | QC Complete | 04/24/2026 |
| 516 | XX | XX |  | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 61.072% | 61.072% | Primary | Purchase | 798 |  | Chief Technology Information officer | 2.92 | $69166.67 | 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 |  | 18.815% | No | Full Documentation | QC Complete | 04/15/2026 |
| 517 | XX | XX |  | XX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 03/31/2026: Received Initial Closing Disclosure dated 02/20/2026 and exception is cleared.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: 1.Missing proof of cancel request for notice of seizure in favor of XX dated April XX,2016, recorded under Entry No.<br> XX, records of XX.<br>2. Missing proof of cancel request for Notice of Seizure in favor of XX dated May XX, 2016, recorded under Entry No. XX,<br> records of XX<br>03/27/2026: Resolved. Received proof of cancellation<br>\*\*\* (CURED) Disclosure - Your Home Loan Toolkit is missing or unexecuted - EV R<br> COMMENT: Missing Home Loan Toolkit .<br>Resolved 03/20/2026- Received HomeLoan ToolKit dated 01/16/2026 and exception is cleared. |  |  | Single Family | xx | 63.387% | 63.387% | Primary | Purchase | 779 |  | Owner | 1.25 | $22493.23 | 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 |  | 28.162% | No | Alternative | QC Complete | 03/12/2026 |
| 520 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 784 |  |  |  |  | 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 | 04/24/2026 |
| 521 | XX | XX |  | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 54.000% | 54.000% | Primary | Cash Out | 733 | 25 | Supervisor, Dispatch Communications | 30.42 | $6417.62 | 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 | $91323.68 | 35.952% |  | Full Documentation | QC Complete | 05/11/2026 |
| 523 | XX | XX |  | XX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 7.635% Allowed 7.620% Overby +0.015%<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 716 |  | Owner | 8 | $31285.44 | 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 |  | 18.397% | No | Alternative | QC Complete | 04/10/2026 |
| 524 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 35.056% | 35.056% | Primary | Cash Out | 719 | 1 | Case ManagerUR Coordinator | 3.5 | $7298.06 | 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 | $123.84 | 46.024% |  | Full Documentation | QC Complete | 04/10/2026 |
| 525 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 55.696% | 55.696% | Primary | Purchase | 751 |  |  |  |  | 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 | 04/24/2026 |
| 526 | XX | XX |  | XX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/16/2026: Resolved. Received updated title. |  |  | Single Family | xx | 72.368% | 72.368% | Investor | Refinance | 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 |  |  |  | Alternative | QC Complete | 04/10/2026 |
| 528 | XX | XX |  | XX | New York | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception to allow a non arms length transaction between family members.<br>A copy of an exception approval letter is available in the loan file. | Family member distant relative (2nd cousin) Borrower has never resided in the subject property & seller owns F/C and both units are currently tenant occupied.<br>FICO: 799 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.04 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 20 months of available reserves are more than the guideline requirement of 6 months. | 2 Family | xx | 85.000% | 85.000% | Investor | Purchase | 799 |  |  |  |  | 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 | 05/11/2026 |
| 529 | XX | XX |  | XX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 55.238% | 55.238% | Investor | Purchase | 763 |  |  |  |  | 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 | 04/29/2026 |
| 531 | XX | XX |  | XX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Reserves do not meet guideline requirements. However, a copy of an exception approval letter is available in the loan file. Waiver of six months' reserve requirement<br>A copy of an exception approval letter is available in the loan file. | DTI: 40.606% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 787 FICO exceeds the guideline requirement of 700.<br>LTV: 63.603% LTV is less than the guideline requirement of 80.00%. | PUD | xx | 63.603% | 63.603% | Primary | Refinance | 787 | 0.41 | Owner | 6.08 | $37074.72 | 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 |  | 40.606% |  | Alternative | QC Complete | 05/11/2026 |
| 533 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.625% | 70.625% | Primary | Refinance | 817 | 3.08 | Owner | 5.66 | $41522.00 | 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 |  | 49.594% |  | Alternative | QC Complete | 04/15/2026 |
| 535 | XX | XX |  | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Investor | Purchase | 793 |  |  |  |  | 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 | 04/29/2026 |
| 538 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Purchase | 746 |  |  |  |  | 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 | 04/27/2026 |
| 539 | XX | XX |  | XX | Texas | Not Covered/Exempt | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Missing fully executed and recorded warranty deed showing transfer of title from XX. Exception approval in files is not valid as the borrower's ownership is 51% which is majority.<br>04/16/2026: Resolved. Received warranty deed |  |  | PUD | xx | 75.000% | 75.000% | Investor | Cash Out | 776 |  | Owner | 25.5 | $129688.47 | 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 | $399120.95 | 20.915% |  | Alternative | QC Complete | 05/11/2026 |
| 542 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 60.000% | 60.000% | Investor | Cash Out | 684 |  |  |  |  | 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 | $27819.00 |  |  | DSCR | QC Complete | 04/10/2026 |
| 543 | XX | XX |  | XX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the bank statement XX, dated 10/01/2025-10/31/2025, as it is missing.<br> Resolved. Received October 31, 2025 statement for XX |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 778 |  | Owner | 5.33 | $7970.95 | 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 |  | 22.061% | Yes | Alternative | QC Complete | 04/29/2026 |
| 544 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | 85.000% | 85.000% | Investor | Purchase | 800 |  | Civil Engineer | 5.18 | $11570.02 | 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 |  | 40.859% | No | Full Documentation | QC Complete | 04/10/2026 |
| 546 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 50.704% | 50.704% | Primary | Cash Out | 744 | 33 | Owner | 4.16 | $636735.34 | 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 | $619395.85 | 2.758% |  | Alternative | QC Complete | 04/16/2026 |
| 552 | XX | XX |  | XX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: The government-issued driver's licenses provided for Borrower 1 and Borrower 2 are not legible. Provide updated driver's licenses for both borrowers, XX<br>Resolved: Received state issured drivers licenses |  |  | PUD | xx | 80.000% | 80.000% | Investor | Purchase | 792 |  | Attorney, Divison chief | 1.25 | $15307.07 | 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 |  | 43.589% | No | Full Documentation | QC Complete | 04/30/2026 |
| 556 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 80.000% | 80.000% | Primary | Purchase | 788 |  | 25% Partner | 2.16 | $19548.95 | 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 |  | 44.541% | Yes | Alternative | QC Complete | 04/13/2026 |
| 559 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 80.000% | 80.000% | Investor | Purchase | 768 |  |  |  |  | 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 | 04/12/2026 |
| 564 | XX | XX |  | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Primary | Purchase | 782 |  | RN-NC | 3.42 | $7793.77 | 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 |  | 43.531% | Yes | Full Documentation | QC Complete | 04/27/2026 |
| 566 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 774 |  | Owner | 4.5 | $327001.58 | 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 |  | 3.714% | No | Alternative | QC Complete | 04/30/2026 |
| 567 | XX | XX |  | XX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Investor | Purchase | 809 |  |  |  |  | Mos Reviewed:56<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 | DSCR | QC Complete | 04/28/2026 |
| 569 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing FICO score of 735 vs required score of 740<br>A copy of an exception approval letter is available in the loan file. | DTI: 47.64% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 72.01% LTV is less than the guideline requirement of 75.00%.<br>Reserves: The 26 months of available reserves are more than the guideline requirement of 14 months. | Single Family | xx | 72.009% | 72.009% | Primary | Purchase | 735 |  | Owner | 6.41 | $62064.89 | 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 |  | 38.573% | No | Alternative | QC Complete | 05/11/2026 |
| 572 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 762 |  | President | 19.58 | $85121.90 | 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 |  | 28.702% | No | Alternative | QC Complete | 04/27/2026 |
| 573 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Cash Out | 787 |  | Owner | 7 | $25992.98 | 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 | $111332.85 | 32.531% |  | Alternative | QC Complete | 04/29/2026 |
| 574 | XX | XX |  | XX | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Non-permanent resident alien - not eligible for program.<br>A copy of an exception approval letter is available in the loan file. | LTV: 50.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 746 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.37 DSCR exceeds the guideline requirement of 1.00.<br>| High Rise Condo (>=9 Stories) | xx | 50.000% | 50.000% | Investor | Purchase | 746 |  |  |  |  | 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 | 04/13/2026 |
| 575 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 19.118% | 19.118% | Primary | Purchase | 814 |  |  |  |  | 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 | 04/28/2026 |
| 582 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 85.000% | 85.000% | Investor | Purchase | 785 |  |  |  |  | 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 | 04/29/2026 |
| 583 | XX | XX |  | XX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Investor | Cash Out | 724 |  | Owner | 5.25 | $70289.84 | 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 | $65605.99 | 18.742% |  | Alternative | QC Complete | 04/27/2026 |
| 586 | XX | XX |  | XX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Primary | Cash Out | 774 | 0.58 | Financial Supervisor | 0.92 | $8333.35 | 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 | $81199.12 | 47.071% |  | Full Documentation | QC Complete | 05/11/2026 |
| 591 | XX | XX |  | XX | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a clear copy of the borrower's government-issued ID, as the current one is not legible.<br> 04/01/2026: Resolved. Received legible ID |  |  | Low Rise Condo (1-4 Stories) | xx | 79.019% | 79.019% | Secondary | Purchase | 772 |  | Respiratory Care Director | 33.83 | $14823.90 | 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 |  | 17.977% | No | Alternative | QC Complete | 03/26/2026 |
| 592 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 75.000% | 75.000% | Primary | Purchase | 798 |  | Owner, medical provider | 3.08 | $17070.73 | 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 |  | 47.219% | Yes | Alternative | QC Complete | 04/27/2026 |
| 595 | XX | XX |  | XX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 51.648% | 51.648% | Primary | Purchase | 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 |  |  | No | Alternative | QC Complete | 04/28/2026 |
| 598 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 57.838% | 57.838% | Investor | Cash Out | 745 |  |  |  |  | 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 | $81889.76 |  |  | Alternative | QC Complete | 04/27/2026 |
| 599 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Refinance | 700 |  |  |  |  | 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 | 04/13/2026 |
| 600 | XX | XX |  | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Primary | Cash Out | 805 | 12.67 | Owner/ operalor | 20.08 | $4550.11 | 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 | $76515.77 | 49.453% |  | Alternative | QC Complete | 05/11/2026 |
| 602 | XX | XX |  | XX | Louisiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 85.000% | 85.000% | Investor | Purchase | 794 |  |  |  |  | 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 | 04/13/2026 |
| 604 | XX | XX |  | XX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 67.742% | 67.742% | Investor | Cash Out | 751 |  |  |  |  | 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 | $1886.65 |  |  | Alternative | QC Complete | 05/11/2026 |
| 607 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 77.377% | 77.377% | Investor | Purchase | 768 |  |  |  |  | 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 | 04/13/2026 |
| 608 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 80.000% | 80.000% | Primary | Purchase | 775 |  | Finance Manager | 6.58 | $34170.18 | Mos Reviewed:12<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 |  | 49.320% | Yes | Full Documentation | QC Complete | 04/27/2026 |
| 611 | XX | XX |  | XX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 68.940% | 68.940% | Primary | Refinance | 738 | 2.75 | Software Engineer | 2 | $17648.17 | 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 |  | 36.686% |  | Full Documentation | QC Complete | 05/11/2026 |
| 612 | XX | XX |  | XX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 7.991% Allowed 7.520% Overby +0.471%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | xx | 90.000% | 90.000% | Primary | Purchase | 743 |  | Owner | 8.16 | $9622.00 | 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 |  | 43.532% | Yes | Alternative | QC Complete | 04/02/2026 |
| 613 | XX | XX |  | XX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 65.000% | 65.000% | Investor | Cash Out | 776 |  |  |  |  | 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 | $31391.94 |  |  | Alternative | QC Complete | 04/27/2026 |
| 619 | XX | XX |  | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 812 |  |  |  |  | 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 | 05/01/2026 |
| 622 | XX | XX |  | XX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.055% | 75.055% | Primary | Cash Out | 733 | 0.5 |  |  | $4954.04 | 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 | $45026.60 | 45.748% |  | Full Documentation | QC Complete | 04/27/2026 |
| 625 | XX | XX |  | XX | Montana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Purchase | 804 |  |  |  |  | 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 | 04/27/2026 |
| 633 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Title supplement to cover the loan amount $XX.<br> 04/16/2026: Resolved. Received updated title. |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Cash Out | 744 |  |  |  |  | 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 | $15434.64 |  |  | Alternative | QC Complete | 04/13/2026 |
| 634 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 752 |  |  |  |  | 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 | 03/27/2026 |
| 638 | XX | XX |  | XX | Wisconsin | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Loan Scorecard 1st page missing.<br>04/30/2026: Resolved. Received LoanScorecard. |  |  | Single Family | xx | 79.137% | 79.137% | Primary | Cash Out | 701 | 4 | Owner | 6.25 | $6915.26 | 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 | $103143.92 | 26.989% |  | Alternative | QC Complete | 04/28/2026 |
| 639 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 33.333% | 33.333% | Primary | Purchase | 800 |  | President | 19.25 | $15535.23 | 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 |  | 30.380% | No | Alternative | QC Complete | 04/15/2026 |
| 642 | XX | XX |  | XX | Massachusetts | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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>Higher-Priced Mortgage Loan Test: Charged 8.075% Allowed 7.720% Overby +0.355%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6) 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 (COMAR).<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 8.075% Allowed 7.720% Overby +0.355%.<br>This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |  |  | Single Family | xx | 85.000% | 85.000% | Primary | Purchase | 795 |  | Owner | 3.16 | $16915.16 | 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 |  | 21.161% | Yes | Alternative | QC Complete | 04/14/2026 |
| 643 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 85.000% | 85.000% | Investor | Purchase | 804 |  | Financial Advisor | 5.66 | $17759.67 | 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 |  | 40.955% | No | Full Documentation | QC Complete | 03/26/2026 |
| 645 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 45.161% | 45.161% | Primary | Cash Out | 708 | 5 | Managing Member | 26.25 | $34381.75 | 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 | $259481.46 | 49.804% |  | Alternative | QC Complete | 04/29/2026 |
| 647 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Primary | Purchase | 747 |  |  |  | $40474.55 | 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 |  | 39.373% | No | Alternative | QC Complete | 04/15/2026 |
| 650 | XX | XX |  | XX | Oregon | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Verification of Rent (VOR) for the property at XX, reflecting a monthly rent of $1,850.00.<br> 04/16/2026: Resolved. Received VOR |  |  | Single Family | xx | 61.350% | 61.350% | Investor | Cash Out | 746 |  |  |  |  | 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 | $91886.15 |  |  | Alternative | QC Complete | 04/13/2026 |
| 652 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 71.705% | 71.705% | Primary | Refinance | 792 | 1.25 | Owner | 6.08 | $24292.49 | 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 |  | 43.029% |  | Alternative | QC Complete | 04/27/2026 |
| 654 | XX | XX |  | XX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.000% | 70.000% | Primary | Purchase | 785 |  | owner | 26 | $118763.23 | 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 |  | 8.400% | No | Alternative | QC Complete | 04/14/2026 |
| 657 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 66.480% | 66.480% | Primary | Purchase | 726 |  |  |  | $6944.00 | 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 |  | 24.527% | No | Alternative | QC Complete | 04/15/2026 |
| 658 | XX | XX |  | XX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | 80.000% | 80.000% | Investor | Purchase | 725 |  |  |  |  | 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 | 04/13/2026 |
| 659 | XX | XX |  | XX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 65.000% | 65.000% | Primary | Cash Out | 678 | 50 |  |  | $5553.89 | 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 | $74748.05 | 36.161% |  | Full Documentation | QC Complete | 04/28/2026 |
| 666 | XX | XX |  | XX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX in the Title Commitment is less than the loan amount $XX<br> 04/16/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide supporting documentation for the subject property's "other expense" of $313.14 included in the PITI.<br> 04/16/2026: Resolved. Received HOA statement for $412.00 |  |  | Mid Rise Condo (5-8 Stories) | xx | 75.000% | 75.000% | Investor | Cash Out | 748 |  | Attorney | 18.16 | $66479.07 | 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 | $88465.54 | 34.471% |  | Alternative | QC Complete | 04/13/2026 |
| 667 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Investor | Purchase | 766 |  |  |  |  | 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 | 03/30/2026 |
| 668 | XX | XX |  | XX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 75.000% | 75.000% | Investor | Purchase | 751 |  |  |  |  | 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 | 04/28/2026 |
| 671 | XX | XX |  | XX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Investor | Cash Out | 747 |  | Owner | 6.25 | $9376.92 | 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 | $144084.81 | 46.826% |  | Alternative | QC Complete | 04/29/2026 |
| 672 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | xx | 70.000% | 70.000% | Secondary | Purchase | 808 |  | Plant Manager | 12.58 | $13333.00 | 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 |  | 27.546% | No | Full Documentation | QC Complete | 04/28/2026 |
| 675 | XX | XX |  | XX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 75.000% | 75.000% | Primary | Purchase | 683 |  | Driver | 3.25 | $5688.00 | Mos Reviewed:12<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:Multiple Source Docs |  | 35.070% | No | Full Documentation | QC Complete | 05/11/2026 |
| 676 | XX | XX |  | XX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide a copy of the updated appraisal report or 1004D reflecting the rear image of the subject property as it is missing.<br> 03/24/2026: Not resolved: Rear picture of the subject is still needed.<br>03/30/2026: Resolved. Received a picture of the rear. |  |  | High Rise Condo (>=9 Stories) | xx | 63.119% | 63.119% | Investor | Purchase | 798 |  | Senior Lead Portfolio Analyst | 20.58 | $75904.11 | 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 |  | 36.167% | No | Full Documentation | QC Complete | 03/12/2026 |
| 677 | XX | XX |  | XX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 66.667% | 66.667% | Secondary | Purchase | 757 |  |  |  | $9224.00 | 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 |  | 39.906% | No | Alternative | QC Complete | 04/28/2026 |
| 682 | XX | XX |  | XX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 54.946% | 54.946% | Investor | Cash Out | 730 |  |  |  |  | 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 | $106408.90 |  |  | Alternative | QC Complete | 04/13/2026 |
| 683 | XX | XX |  | XX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The borrower has additional REO; however, the loan file does not include documentation verifying the cost of any applicable HOA dues for the property. As this expense must be considered in the DTI calculation, please provide proof of the HOA dues for the property located atXX<br>04/08/2026: Resolved. Received loe no HOA. |  |  | 2 Family | xx | 80.000% | 80.000% | Primary | Purchase | 776 |  | Partner | 4.25 | $22362.00 | 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 |  | 33.196% | No | Alternative | QC Complete | 03/31/2026 |
| 686 | XX | XX |  | XX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 50.000% | 50.000% | Investor | Cash Out | 792 |  | Vice President | 5.75 | $83446.17 | 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 | $935745.68 | 40.758% |  | Full Documentation | QC Complete | 05/11/2026 |
| 688 | XX | XX |  | XX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | Investor | Purchase | 782 |  | Asst VP Therapy Strat Prtnrshp | 18.42 | $16144.73 | 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 |  | 44.062% | No | Full Documentation | QC Complete | 04/16/2026 |
| 691 | XX | XX |  | XX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 77.688% | 77.688% | Primary | Cash Out | 719 | 9 |  |  | $2726.00 | Mos Reviewed:34<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 | $41599.04 | 49.939% |  | Full Documentation | QC Complete | 04/27/2026 |
| 694 | XX | XX |  | XX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 60.789% | 60.789% | Investor | Cash Out | 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 | $2000.00 |  |  | Alternative | QC Complete | 04/16/2026 |
| 697 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 54.286% | 54.286% | Investor | Refinance | 772 |  |  |  |  | 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 | 04/29/2026 |
| 703 | XX | XX |  | XX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Investor | Purchase | 765 |  |  |  |  | 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 | 04/13/2026 |
| 704 | XX | XX |  | XX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | xx | 63.067% | 63.067% | Primary | Cash Out | 780 | 2.25 | Owner | 16.08 | $125582.94 | 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 | $1660.55 | 17.069% |  | Alternative | QC Complete | 04/28/2026 |
| 706 | XX | XX |  | XX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 80.000% | 80.000% | Investor | Purchase | 769 |  | Owner | 6.25 | $89427.74 | 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 |  | 35.670% | No | Alternative | QC Complete | 04/28/2026 |
| 710 | XX | XX |  | XX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xx | 80.000% | 80.000% | Investor | Purchase | 760 |  | Owner | 8.08 | $85727.00 | 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 |  | 37.875% | No | Alternative | QC Complete | 04/29/2026 |
| 718 | XX | XX |  | XX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xx | 59.268% | 59.268% | Primary | Purchase | 785 |  | Manager | 7.42 | $6611.23 | 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 |  | 20.845% | No | Alternative | QC Complete | 04/29/2026 |
| 719 | XX | XX |  | XX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 70.724% | 70.724% | Primary | Cash Out | 771 | 7 | Handy man | 4.91 | $8841.72 | 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 | $116225.74 | 37.703% |  | Alternative | QC Complete | 04/14/2026 |
| 722 | XX | XX |  | XX | Utah | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing exception for 80% LTV vs max 75%<br>A copy of an exception approval letter is available in the loan file. | DTI: 12.88% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 791 FICO exceeds the guideline requirement of 740.<br>Reserves: The 11 months of available reserves are more than the guideline requirement of 3 months. | Single Family | xx | 80.000% | 80.000% | Primary | Refinance | 791 | 0.08 | Owner | 7.25 | $172676.90 | 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 |  | 12.884% |  | Alternative | QC Complete | 04/14/2026 |
| 723 | XX | XX |  | XX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xx | 75.000% | 75.000% | Investor | Cash Out | 791 |  |  |  |  | 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 | $184864.54 |  |  | Alternative | QC Complete | 04/13/2026 |
| 725 | XX | XX |  | XX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 85.000% | 85.000% | Primary | Purchase | 746 |  | Owner | 5.08 | $20023.67 | 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 |  | 36.725% | Yes | Alternative | QC Complete | 05/11/2026 |
| 729 | XX | XX |  | XX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xx | 80.000% | 80.000% | 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 | 04/16/2026 |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **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** |
| 69 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | HKRNKW35OMC-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception requested for subject property GLA less than 500sqft as per Guidelines condotel.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 764 FICO exceeds the guideline requirement of 700.<br>Reserves: The 73 months of available reserves are more than the guideline requirement of 24 months.<br>LTV: 75.00% LTV is less than the guideline requirement of 85.00%.<br>|  | QC Complete | 04/14/2026 |  |  | 04/10/2026 |
| 71 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Assets Insufficient | M0TJ1ILFborder-left:none; width:112pt'>Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Provide a proof of document for Net sale proceeds of $XX<br>04/XX/2026 Resolved : The copy of net proceeds resolves the condition. | 04/16/2026 Resolved : The copy of net proceeds resolves the condition. | 04/16/2026 Resolved : The copy of net proceeds resolves the condition. |  |  | QC Complete | 04/14/2026 | 04/16/2026 | 04/16/2026 | 04/10/2026 |  |
| 82 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 3VKVHQJCMKA-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 8.637% Allowed 7.630% Overby +1.007%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/14/2026 | 04/14/2026 | 04/14/2026 | 04/10/2026 |
| 85 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 0ZEMPYDHF2W-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the closing protection letter (CPL), as it is missing.<br>04/XX/2026 Resolved: The condition has been resolved as CPL not required in Michigan. | 04/16/2026 Resolved: The condition has been resolved as CPL not required in Michigan. | 04/16/2026 Resolved: The condition has been resolved as CPL not required in Michigan. |  |  | QC Complete | 04/14/2026 | 04/16/2026 | 04/16/2026 | 04/14/2026 |
| 101 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 5NF1L1NKFOZ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 7.754% Allowed 7.490% Overby +0.264%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/22/2026 | 04/22/2026 | 04/22/2026 | 04/21/2026 |
| 106 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | T3S4UYEESVA-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Condo Questionnaire as the property is High rise condo with 12 stories.<br> 04/XX/2026: Resolved. Received a completed project approval letter. | 04/30/2026: Resolved. Received a completed project approval letter. | 04/30/2026: Resolved. Received a completed project approval letter. |  |  | QC Complete | 04/21/2026 | 04/30/2026 | 04/30/2026 | 04/21/2026 |
| 106 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | T3S4UYEESVA-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a updated Hazard Insurance(HO6) with Mortgagee Clause.<br>04/XX/2026: Resolved. HO6 policy already in the file with mortgagee clasue. | 04/30/2026: Resolved. HO6 policy already in the file with mortgagee clasue. | 04/30/2026: Resolved. HO6 policy already in the file with mortgagee clasue. |  |  | QC Complete | 04/21/2026 | 04/30/2026 | 04/30/2026 | 04/21/2026 |
| 120 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XIKDJZHJNYV-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a updated Title report to cover the loan amount $XX<br> 04/XX/2026: Resolved. Title with coverage amount was in the file. | 04/27/2026: Resolved. Title with coverage amount was in the file. | 04/27/2026: Resolved. Title with coverage amount was in the file. |  |  | QC Complete | 04/23/2026 | 04/27/2026 | 04/27/2026 | 04/22/2026 |
| 127 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | OTHBSL30AC0-RO3KRP0K | Resolved | 3 | R | \* TRID Violations (Lvl R) | The Final CD shows a funding date of 04/XX/2026 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br>Resolved 04/XX/2026: Loan is closing on 04/XX/2026 and Funding on 04/XX/2026. This is a construction loan, so rescission does not apply. | Resolved 04/28/2026: Loan is closing on 04/XX/2026 and Funding on 04/XX/2026. This is a construction loan, so rescission does not apply. | Resolved 04/28/2026: Loan is closing on 04/XX/2026 and Funding on 04/XX/2026. This is a construction loan, so rescission does not apply. |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 04/29/2026 |
| 127 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | OTHBSL30AC0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Title and property details reflecting taxes of $11,199.09 and stated tax are $78,175.20. Provide a copy of tax certificate or tax info for subject property to verify the monthly tax amount of $6,514.60 as it is missing.<br>04/XX/2026: this is a construction to perm. $11,199.09 is land only . the fully assessed tax amounts are not available. $6514.60 is the estimated monthly amount. | 04/29/2026: this is a construction to perm. $11,199.09 is land only . the fully assessed tax amounts are not available. $6514.60 is the estimated monthly amount. | 04/29/2026: this is a construction to perm. $11,199.09 is land only . the fully assessed tax amounts are not available. $6514.60 is the estimated monthly amount. |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 04/23/2026 |
| 138 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Assets Insufficient | 3FFB12VUT0V-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Missing settlement statement or seller CD for the net proceeds in the amount of $XX.<br>04/XX/2026: Resolved. settlement statement in file shows $XX being transfered to escrow for this account. Along with proceeds of $56,195.55 to the borrower. | 04/28/2026: Resolved. settlement statement in file shows $XX being transfered to escrow for this account. Along with proceeds of $XX to the borrower. | 04/28/2026: Resolved. settlement statement in file shows $XX being transfered to escrow for this account. Along with proceeds of $XX to the borrower. |  |  | QC Complete | 04/24/2026 | 04/28/2026 | 04/28/2026 | 04/23/2026 |
| 249 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | SSE0UNEWAIN-V99AA17R | Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Provide a copy of Prepayment rider as it is missing<br> 04/XX/2026: Resolved. Received prepayment rider. | 04/13/2026: Resolved. Received prepayment rider. | 04/13/2026: Resolved. Received prepayment rider. |  |  | QC Complete | 04/07/2026 | 04/13/2026 | 04/13/2026 | 04/06/2026 |
| 253 | XX | XX |  | XX | XX | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | AA54DHYHCML-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the updated title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/23/2026: Resolved. Received updated title. | 04/23/2026: Resolved. Received updated title. |  |  | QC Complete | 04/21/2026 | 04/23/2026 | 04/23/2026 | 04/21/2026 |
| 258 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | PJUQGLOOGQ0-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting exception for housing payment history, as borrower has lived rent free for 25 years and has no prior housing history in the last 3 years<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 779 FICO exceeds the guideline requirement of 640.<br>DTI: 35.692% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 11 months of available reserves are more than the guideline requirement of 3 months.<br>|  | QC Complete | 04/22/2026 |  |  | 04/21/2026 |
| 258 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | PJUQGLOOGQ0-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | (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>Higher-Priced Mortgage Loan Test: Charged 9.150% Allowed 7.930% Overby +1.220%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/22/2026 | 04/22/2026 | 04/22/2026 | 04/21/2026 |
| 265 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | PV1RVJPRW4L-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved Received updated title | 04/14/2026: Resolved Received updated title | 04/14/2026: Resolved Received updated title |  |  | QC Complete | 04/07/2026 | 04/14/2026 | 04/14/2026 | 04/07/2026 |
| 272 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | WFSYN442VT5-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Preliminary title does not reflect the amount of $XX title insured coverage amount. Provide a copy of supplemental report.<br> 04/XX/2026: Resolved. Received updated title | 04/27/2026: Resolved. Received updated title | 04/27/2026: Resolved. Received updated title |  |  | QC Complete | 04/22/2026 | 04/27/2026 | 04/27/2026 | 04/22/2026 |
| 277 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | YTQBVWNVP5H-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the Business Purpose Affidavit, signed by the borrower, as it is missing.<br> 04/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 04/13/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 04/13/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | QC Complete | 04/07/2026 | 04/13/2026 | 04/13/2026 | 04/07/2026 |
| 280 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | OMNZV3DORRV-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for acreage over maximum allowable.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 780 FICO exceeds the guideline requirement of 740.<br>DTI: 11.95% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $221,498.40 monthly<br>|  | QC Complete | 04/22/2026 |  |  | 04/21/2026 |
| 280 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | OMNZV3DORRV-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan amount. The amount of title insurance $XX does not cover the loan amount $XX.<br> 04/XX/2026: Resolved. Received updated title | 04/27/2026: Resolved. Received updated title | 04/27/2026: Resolved. Received updated title |  |  | QC Complete | 04/22/2026 | 04/27/2026 | 04/27/2026 | 04/21/2026 |
| 288 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | EYEK05GBWIC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide the updated title report, including Schedules B, C, and D, as it is missing.<br> 04/XX/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. |  |  | QC Complete | 04/13/2026 | 04/16/2026 | 04/16/2026 | 04/11/2026 |
| 296 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | URKVVM4GUQ4-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance XXdoes not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title | 04/27/2026: Resolved. Received updated title | 04/27/2026: Resolved. Received updated title |  |  | QC Complete | 04/22/2026 | 04/27/2026 | 04/27/2026 | 04/21/2026 |
| 307 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | GJ135AVDK1M-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Tenant purchasing from landlord and cannot fully document most recent 12 months rent payment<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 730 FICO exceeds the guideline requirement of 640.<br>Residual Income : $17,196.63 monthly<br>DTI: 38.02% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 04/22/2026 |  |  | 04/22/2026 |
| 315 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | REIZICO5LMP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of XX bank statement account ending in #XX for the covering the period 12/XX/2025-12/XX/2025, as it is missing.<br> 04/XX/2026: Resolved. Received bank statement. | 04/28/2026: Resolved. Received bank statement. | 04/28/2026: Resolved. Received bank statement. |  |  | QC Complete | 04/22/2026 | 04/28/2026 | 04/28/2026 | 04/22/2026 |
| 315 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit |  | REIZICO5LMP-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount is not sufficient to cover loan amount, and master policy is being covered by the dwelling. The provided master policy has expired dated on 05/XX/2025. Provide a copy of the updated master policy.<br>04/XX/2026: Resolved. Received updated master insurance policy. | 04/29/2026: Resolved. Received updated master insurance policy. | 04/29/2026: Resolved. Received updated master insurance policy. |  |  | QC Complete | 04/22/2026 | 04/29/2026 | 04/29/2026 | 04/22/2026 |
| 318 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | SSCZWOPOSVZ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide verification for the $26.83 HOA fee included in the subject property's PITIA.<br> 04/XX/2026: Resolved. Received Updated 1008 with HOA fee removed. | 04/14/2026: Resolved. Received Updated 1008 with HOA fee removed. | 04/14/2026: Resolved. Received Updated 1008 with HOA fee removed. |  |  | QC Complete | 04/08/2026 | 04/14/2026 | 04/14/2026 | 04/07/2026 |
| 336 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1ZACCYCFWZX-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a VOM for property "XX" to verify the mortgage payment history.<br>Resolved. Received current credit report and prior expired credit report and mortgage statement showing payment history. | Resolved. Received current credit report and prior expired credit report and mortgage statement showing payment history. | Resolved. Received current credit report and prior expired credit report and mortgage statement showing payment history. |  |  | QC Complete | 04/28/2026 | 05/04/2026 | 05/04/2026 | 04/28/2026 |
| 336 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1ZACCYCFWZX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated hazard insurance with loss payable clause "ISAOA/ATIMA" to the mortgagee.<br>Resolved: Received updated HOI | Resolved: Received updated HOI | Resolved: Received updated HOI |  |  | QC Complete | 04/28/2026 | 05/04/2026 | 05/04/2026 | 04/28/2026 |
| 338 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZF5EPTCNVW0-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 9.395% Allowed 7.930% overby+1.465%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/23/2026 | 04/23/2026 | 04/23/2026 | 04/22/2026 |
| 340 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | MLWLJW3SIVF-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID violation due to credit report fee $225.50 increase on Revised CD dated 03/XX/2026. Initial LE dated 02/XX/2026 reflects credit report fee as $200.00 however, Final CD dated 03/XX/2026 reflects the credit report fee as $225.50. Require PCCD/COC to cure the tolerance violation of $25.50.<br>Resolved 04/XX/2026: Received COC dated 03/XX/2026 and exception is cleared. | Resolved 04/01/2026: Received COC dated 03/XX/2026 and exception is cleared. | Resolved 04/01/2026: Received COC dated 03/XX/2026 and exception is cleared. |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/26/2026 |
| 346 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | I0T1ODNT412-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | The Final Application lists Co-Borrower XX as unmarried, whereas the Deed of Trust indicates he is married. A correction is required in the Final Application to ensure consistency.<br> 04/XX/2026: Resolved. Received updated 1003. | 04/15/2026: Resolved. Received updated 1003. | 04/15/2026: Resolved. Received updated 1003. |  |  | QC Complete | 04/08/2026 | 04/15/2026 | 04/15/2026 | 04/08/2026 |
| 346 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | I0T1ODNT412-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a supporting document confirming that the HOA fees for the subject property are $8.34 per month.<br> 04/XX/2026: Resolved. Received proof of HOA amount. | 04/15/2026: Resolved. Received proof of HOA amount. | 04/15/2026: Resolved. Received proof of HOA amount. |  |  | QC Complete | 04/08/2026 | 04/15/2026 | 04/15/2026 | 04/08/2026 |
| 349 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | IAVLOG4RX5A-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of Secondary Valuation(CDA) as it is missing.<br>05/XX/2026: Resolved. Received CDA. | 05/01/2026: Resolved. Received CDA. | 05/01/2026: Resolved. Received CDA. |  |  | QC Complete | 04/28/2026 | 05/01/2026 | 05/01/2026 | 04/27/2026 |
| 353 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | QF24YJDSRH0-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Master policy expired. Provide an updated document.<br> 04/XX/2026: Resolved. Received updated master policy | 04/01/2026: Resolved. Received updated master policy | 04/01/2026: Resolved. Received updated master policy |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/26/2026 |
| 353 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | QF24YJDSRH0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of bank statement for account "XX" for the month of march 2025<br> 04/XX/2026: Resolved. Received March statement | 04/01/2026: Resolved. Received March statement | 04/01/2026: Resolved. Received March statement |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/25/2026 |
| 362 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 5PUHC4YVHDC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The transaction vested in the name of the borrowers business however, the LLC agreement for this business which verifies the business' details for the loan file is missing the Notary seal. Business name: "XX".<br>03/XX/2026 Resolved : Resolved as the Notary seal is not required for sellers business. | 03/18/2026 Resolved : Resolved as the Notary seal is not required for sellers business. | 03/18/2026 Resolved : Resolved as the Notary seal is not required for sellers business. |  |  | QC Complete | 03/11/2026 | 03/18/2026 | 03/18/2026 | 03/11/2026 |
| 362 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Value | 5PUHC4YVHDC-11KL34H8 | Resolved | 3 | R | \* Quality of Appraisal Report Unacceptable (Lvl R) | The completed CDA identifies a risk stating: "The gross adjustments for the comparables are less than typical. An extraordinary assumption was made that the subject property and all comparable sales are reported correctly; if this information is found to be inaccurate, the opinions and conclusions may be affected." Based on this commentary, a follow-up clarification or addendum from the original appraiser should have been obtained to further support the adjustments applied and the concluded value of the subject property. No updated appraisal or appraiser addendum was found in the loan file addressing this concern.<br>03/XX/2026: Resolved. Received appraisal with appraisers addendum regarding adjustments. | 03/30/2026: Resolved. Received appraisal with appraisers addendum regarding adjustments. | 03/30/2026: Resolved. Received appraisal with appraisers addendum regarding adjustments. |  |  | QC Complete | 03/11/2026 | 03/30/2026 | 03/30/2026 | 03/12/2026 |
| 368 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | I2111LA4VEA-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide receipt or supporting documentation verifying the insurance and HOA fees for the subject property atXX<br>04/XX/2026: Resolved. Received LOE stating property is a vacant lot and there are no HOA or insurance on the property. Evidence of taxes are already in the file. | 04/30/2026: Resolved. Received LOE stating property is a vacant lot and there are no HOA or insurance on the property. Evidence of taxes are already in the file. | 04/30/2026: Resolved. Received LOE stating property is a vacant lot and there are no HOA or insurance on the property. Evidence of taxes are already in the file. |  |  | QC Complete | 04/23/2026 | 04/30/2026 | 04/30/2026 | 04/23/2026 |
| 369 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | N3N0QNVBFNH-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 8.841% Allowed 7.620% Overby+1.221%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| 369 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | N3N0QNVBFNH-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID violation due to Appraisal Re-Inspection fee Added on Final CD dated 03/XX/2026. Initial LE dated 01/XX/2026 reflects Appraisal Re-Inspection fee as $0.00 however, Final CD dated 03/XX/2026 reflects the Appraisal Re-Inspection fee as $200.00. Require valid COC or cure amount of $200.00.<br>Resolved 04/XX/2026: Received COC dated 02/XX/2026 and exception is cleared. | Resolved 04/01/2026: Received COC dated 02/XX/2026 and exception is cleared. | Resolved 04/01/2026: Received COC dated 02/XX/2026 and exception is cleared. |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/26/2026 |
| 372 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | KMFZOUVEWJL-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement, which should cover the loan amount $XX<br>04/XX/2026: The copy of final title policy resolves the condition. | 04/15/2026: The copy of final title policy resolves the condition. | 04/15/2026: The copy of final title policy resolves the condition. |  |  | QC Complete | 04/09/2026 | 04/15/2026 | 04/15/2026 | 04/08/2026 |
| 372 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | KMFZOUVEWJL-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Gift source is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received)<br> 04/XX/2026: Resolved. Received copy of cashiers check and incoming wire information. | 04/14/2026: Resolved. Received copy of cashiers check and incoming wire information. | 04/14/2026: Resolved. Received copy of cashiers check and incoming wire information. |  |  | QC Complete | 04/09/2026 | 04/14/2026 | 04/14/2026 | 04/09/2026 |
| 374 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | Z02A3DPJVSY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 7.556% Allowed 7.480% Overby +0.076%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 04/16/2026 |
| 375 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | GQAC0KP2BCM-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Co-borrower XX does not meet the SmartSelf product requirement of at least two tradelines within the most recent 24 months, as only one tradeline is reported.<br>04/XX/2026: Resolved. Received credit report with tradeline requirements. | 04/28/2026: Resolved. Received credit report with tradeline requirements. | 04/28/2026: Resolved. Received credit report with tradeline requirements. |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 04/22/2026 |
| 375 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | GQAC0KP2BCM-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | (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>Higher-Priced Mortgage Loan Test: Charged 8.638% Allowed 7.620% Overby +1.018%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 04/22/2026 |
| 378 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ALZGLEYMGAN-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the most recent bank statement, dated January 2026, for account number "XX 401(k)."<br>03/XX/2026: Not Resolved. The approval is dated 02/XX/2026. The most recent statement is required which would be January.<br>03/XX/2026: Not resolved. the guidelines state. Most recent bank statement(s) reflecting the ending balance of the bank account. Since the loan was locked 02/XX/2026 the most recent statement would be 01/XX/2026.<br> 04/XX/2026: Not resolved. the guidelines state. Most recent bank statement(s) reflecting the ending balance of the bank account. Since the loan was locked 02/XX/2026 the most recent statement would be 01/XX/2026.<br> 04/XX/2026: Resolved. The December statement would not be expired as of the date of closing. | 04/10/2026: Resolved. The December statement would not be expired as of the date of closing. | 04/10/2026: Resolved. The December statement would not be expired as of the date of closing. |  |  | QC Complete | 02/26/2026 | 04/10/2026 | 04/10/2026 | 02/26/2026 |
| 385 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | FIWT4HQESXZ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title amount is not sufficient to cover loan amount of $XX, Provide a copy of title supplement report.<br> 04/XX/2026: Resolved. Received updated title. | 04/15/2026: Resolved. Received updated title. | 04/15/2026: Resolved. Received updated title. |  |  | QC Complete | 04/09/2026 | 04/15/2026 | 04/15/2026 | 04/08/2026 |
| 385 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | FIWT4HQESXZ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | There have been nine NSFs in the last 12 months, exceeding the guideline limit of six.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 704 FICO exceeds the guideline requirement of 700.<br>DTI: 34.04% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 65.10% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 04/09/2026 |  |  | 04/08/2026 |
| 398 | XX | XX |  | XX | XX | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | 01QKICHOKRS-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the evidence wire receipt for the gift amount of $XX, as it is missing.<br>04/XX/2026: Resolved. Received a copy of a cashiers check for $XX | 04/30/2026: Resolved. Received a copy of a cashiers check for $XX | 04/30/2026: Resolved. Received a copy of a cashiers check for $XX |  |  | QC Complete | 04/21/2026 | 04/30/2026 | 04/30/2026 | 04/21/2026 |
| 410 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | ADLBNECWUJ0-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 59 overdraft/non-sufficient funds (OD/NSF) transactions were recorded on XX business account #XX with XX between March 2025 and February 2026.<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 75 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 20.94% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 05/14/2026 |  |  | 04/23/2026 |
| 417 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 5FWJEJG2QKO-3FPSHHKF | Resolved | 3 | R | \* Missing required 1-4 family rider (Lvl R) | Provide a copy of 1-4 Family rider, as it is missing.<br> 04/XX/2026: Resolved. Received 1/4 rider | 04/08/2026: Resolved. Received 1/4 rider | 04/08/2026: Resolved. Received 1/4 rider |  |  | QC Complete | 04/01/2026 | 04/08/2026 | 04/08/2026 | 04/01/2026 |
| 417 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 5FWJEJG2QKO-2XRZ4V9U | Resolved | 3 | R | \* Note is missing or unexecuted (Lvl R) | Provide copies of pages 3 of 4 & 4 of 4 of the Note, as it is missing.<br> 04/XX/2026: Countered. Still missing page 3 of note.<br> 04/XX/2026: Resolved. Received all pages of the Note. | 04/10/2026: Resolved. Received all pages of the Note. | 04/10/2026: Resolved. Received all pages of the Note. |  |  | QC Complete | 04/01/2026 | 04/10/2026 | 04/10/2026 | 04/01/2026 |
| 421 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | TRWMAX4ZXGN-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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 Higher-Priced Mortgage Loan Test: Charged 8.794% Allowed 8.480% Overby +0.314%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/30/2026 | 03/30/2026 | 03/30/2026 | 03/30/2026 |
| 422 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | ZMNEBEWPPZZ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/01/2026: Resolved. Received updated title. | 04/01/2026: Resolved. Received updated title. |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/25/2026 |
| 424 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | RX1F33WLEHZ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide an copy of updated Title Report to cover the loan amount $XX<br> 04/XX/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. |  |  | QC Complete | 04/09/2026 | 04/16/2026 | 04/16/2026 | 04/08/2026 |
| 440 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | GVRU5FS14PJ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing secondary valuation.<br>05/XX/2026: Resolved. Received CDA. | 05/01/2026: Resolved. Received CDA. | 05/01/2026: Resolved. Received CDA. |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 04/28/2026 |
| 443 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | ERWUCZIOBUY-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Land area of XX acres does not meet the guidelines for maximum allowed land area of 20 acres. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br> 04/XX/2026: Waived: Received comp factors: Low risj CU score. Acreage of comps range from 10 to 35 acres confirming marketability. Appraisers provided indepth explanation of adjustment for site size and bases adjustments on vacant land sales in the sujects market area and 731 FICO. |  |  | 731 exceeds the minimum guideline requirement of 680.<br>Low risk CU score: The acreage of the comparable properties ranges from 10 to 35 acres, supporting the marketability of the subject property. The appraiser provided an in-depth explanation for the site size adjustments and based the adjustments on vacant land sales within the subject's market area.<br>|  | QC Complete | 03/27/2026 |  |  | 03/27/2026 |
| 453 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 00T0WP2BYXC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of supporting documentation (tax, insurance, or HOA fee receipt) for property XX reflecting the amount of $200.00.<br>03/XX/2026: Countered. Still need proof of HOA<br>04/XX/2026: Resolved. Received LOE that property is a SFR with no HOA. | 04/01/2026: Resolved. Received LOE that property is a SFR with no HOA. | 04/01/2026: Resolved. Received LOE that property is a SFR with no HOA. |  |  | QC Complete | 03/18/2026 | 04/01/2026 | 04/01/2026 | 03/18/2026 |
| 456 | XX | XX |  | XX | XX | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | BVXH2W5HM4H-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide settlement statement or final closing disclosure to verify the cash-out proceeds $XX (loan:XX).<br> 04/XX/2026: Resolved. Received CD | 04/28/2026: Resolved. Received CD | 04/28/2026: Resolved. Received CD |  |  | QC Complete | 04/24/2026 | 04/28/2026 | 04/28/2026 | 04/23/2026 |
| 457 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | S24NWV2UFCK-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved: Received updated title | Resolved: Received updated title | Resolved: Received updated title |  |  | QC Complete | 04/28/2026 | 05/04/2026 | 05/04/2026 | 04/27/2026 |
| 460 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XDSWAOPU3LP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide updated CPA letter allowing borrower to use the 100% of funds with no impact on the business (XX).<br>05/XX/2026: Resolved. No business assets are being used towards the transaction. Business account is used soley for qualifying income. | 05/01/2026: Resolved. No business assets are being used towards the transaction. Business account is used soley for qualifying income. | 05/01/2026: Resolved. No business assets are being used towards the transaction. Business account is used soley for qualifying income. |  |  | QC Complete | 04/27/2026 | 05/01/2026 | 05/01/2026 | 04/23/2026 |
| 460 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XDSWAOPU3LP-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide updated bank statement worksheet business ownership from 100% to 57.5%.<br>05/XX/2026: Resolved. Received updated income worksheet. | 05/01/2026: Resolved. Received updated income worksheet. | 05/01/2026: Resolved. Received updated income worksheet. |  |  | QC Complete | 04/27/2026 | 05/01/2026 | 05/01/2026 | 04/24/2026 |
| 464 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | Z4FZN1SCQJ5-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing to use XX from 401k a previous employer when the borrower is not 59 1/2 and omitting the need for liquid assets until 59 1/2.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 768 FICO exceeds the guideline requirement of 700.<br>DTI: 41.349% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 69.44% LTV is less than the guideline requirement of 85.00%.<br>|  | QC Complete | 05/11/2026 |  |  | 04/09/2026 |
| 468 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | M0EGGFR4JRR-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the 2025 Form 1120S for the borrower's business, XX<br>04/XX/2026; Resolved: 2023 and 2024 1040 and 2023 and 2024 1120S with XX are the only returns received or filed yet. 2025 returns are nor yet required. | 04/02/2026; Resolved: 2023 and 2024 1040 and 2023 and 2024 1120S with XX are the only returns received or filed yet. 2025 returns are nor yet required. | 04/02/2026; Resolved: 2023 and 2024 1040 and 2023 and 2024 1120S with XX are the only returns received or filed yet. 2025 returns are nor yet required. |  |  | QC Complete | 03/17/2026 | 04/02/2026 | 04/02/2026 | 03/16/2026 |
| 475 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | AWGMKYOG0RR-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of title supplemental report to cover the loan amount of $XX<br> 04/XX/2026: Resolved. Received updated title. | 04/28/2026: Resolved. Received updated title. | 04/28/2026: Resolved. Received updated title. |  |  | QC Complete | 04/24/2026 | 04/28/2026 | 04/28/2026 | 04/23/2026 |
| 478 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | NK1HULRYAF4-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | The subject transaction is a non-arm's length on investment property as the borrower is acquiring the property from their brother.<br>A copy of an exception approval letter has been received. |  |  | DTI: 43.47% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 201 months of available reserves are more than the guideline requirement of 6 months.<br>|  | QC Complete | 04/10/2026 |  |  | 04/09/2026 |
| 484 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | HAJEJG20I2M-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing First time home buyer for living rent free<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 780 FICO exceeds the guideline requirement of 720.<br>LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 37.76% DTI is less than the maximum guideline requirement of 43.00%. |  | QC Complete | 05/11/2026 |  |  | 04/13/2026 |
| 495 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | IJERX5XBCRT-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated hazard insurance document. Premium is missing<br> 04/XX/2026: Resolved. Received HO6 policy with premium | 04/06/2026: Resolved. Received HO6 policy with premium | 04/06/2026: Resolved. Received HO6 policy with premium |  |  | QC Complete | 03/26/2026 | 04/06/2026 | 04/06/2026 | 03/25/2026 |
| 496 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | MIPBFCE320M-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title | 04/14/2026: Resolved. Received updated title | 04/14/2026: Resolved. Received updated title |  |  | QC Complete | 04/10/2026 | 04/14/2026 | 04/14/2026 | 04/09/2026 |
| 503 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | HTB4VD0ZQQC-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of the Licensee Info or Affidavit Rider which is checked in the Deed of Trust.<br>04/XX/2026: Resolved. Received the Licensee Information or Affidavit filed in accordance with Real Property document | 04/24/2026: Resolved. Received the Licensee Information or Affidavit filed in accordance with Real Property document | 04/24/2026: Resolved. Received the Licensee Information or Affidavit filed in accordance with Real Property document |  |  | QC Complete | 04/21/2026 | 04/24/2026 | 04/24/2026 | 04/21/2026 |
| 507 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | Z0JYPW1UTGF-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide an active lease agreement for subject property (unit 1 - 1001) with rent amount $1,550.00.<br> 04/XX/2026: Resolved. The appraiser confirmed the current rent amount of $1550.00 for unit 1 on the appraisal The lease expired 03/2026 which is before the 1st payment date. The client used the lower amount of the lease vs the opinion of market rent to be conservative. | 04/24/2026: Resolved. The appraiser confirmed the current rent amount of $1550.00 for unit 1 on the appraisal The lease expired 03/2026 which is before the 1st payment date. The client used the lower amount of the lease vs the opinion of market rent to be conservative. | 04/24/2026: Resolved. The appraiser confirmed the current rent amount of $1550.00 for unit 1 on the appraisal The lease expired 03/2026 which is before the 1st payment date. The client used the lower amount of the lease vs the opinion of market rent to be conservative. |  |  | QC Complete | 04/21/2026 | 04/24/2026 | 04/24/2026 | 04/21/2026 |
| 508 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | RYFE0Q2NU45-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of updated title report to cover the loan amount $XX.<br>04/XX/2026: Resolved. Received updated title. | 04/24/2026: Resolved. Received updated title. | 04/24/2026: Resolved. Received updated title. |  |  | QC Complete | 04/21/2026 | 04/24/2026 | 04/24/2026 | 04/21/2026 |
| 508 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | RYFE0Q2NU45-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | CPA letter reflects ownership for XX is XX -50% & XX -50%.<br>Lender has calculated 100% of ownership for XX, Provide an acceptance letter from XX to access full business income.<br>04/XX/2026: Resolved. Both XX and XX are on the loan. The income calculated is for both borrowers. | 04/29/2026: Resolved. Both XX and XX are on the loan. The income calculated is for both borrowers. | 04/29/2026: Resolved. Both XX are on the loan. The income calculated is for both borrowers. |  |  | QC Complete | 04/21/2026 | 04/29/2026 | 04/29/2026 | 04/21/2026 |
| 509 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | IUWMOZXJDZA-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing LTV exception for 80% vs 75% due to DSCR below 1.00<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 763 FICO exceeds the guideline requirement of 720.<br>Reserves: The 31 months of available reserves are more than the guideline requirement of 6 months.<br>|  | QC Complete | 04/16/2026 |  |  | 04/13/2026 |
| 514 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | C0IY1OJCELG-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 2 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>Higher-Priced Mortgage Loan Test Charged 9.059% Allowed 8.630% Overby +0.429%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 03/27/2026 |
| 515 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | BZTXHR3YZK1-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a mortgage statement for the property XX" and supporting document for tax and insurance in the amount of $519.00.<br>04/XX/2026: Resolved. Received proof of taxes, insurance and HOA. Mortgage is reporting on the credit report. | 04/30/2026: Resolved. Received proof of taxes, insurance and HOA. Mortgage is reporting on the credit report. | 04/30/2026: Resolved. Received proof of taxes, insurance and HOA. Mortgage is reporting on the credit report. |  |  | QC Complete | 04/24/2026 | 04/30/2026 | 04/30/2026 | 04/24/2026 |
| 517 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | ES1LPLQ2CTJ-XRW0S8RB | Resolved | 3 | R | \* Disclosure - Your Home Loan Toolkit is missing or unexecuted (Lvl R) | Missing Home Loan Toolkit .<br>Resolved 03/XX/2026- Received HomeLoan ToolKit dated 01/XX/2026 and exception is cleared. | Resolved 03/20/2026- Received HomeLoan ToolKit dated 01/XX/2026 and exception is cleared. | Resolved 03/20/2026- Received HomeLoan ToolKit dated 01/XX/2026 and exception is cleared. |  |  | QC Complete | 03/12/2026 | 03/20/2026 | 03/20/2026 | 03/10/2026 |
| 517 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | ES1LPLQ2CTJ-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 03/XX/2026: Received Initial Closing Disclosure dated 02/XX/2026 and exception is cleared. | Resolved 03/31/2026: Received Initial Closing Disclosure dated 02/XX/2026 and exception is cleared. | Resolved 03/31/2026: Received Initial Closing Disclosure dated 02/XX/2026 and exception is cleared. |  |  | QC Complete | 03/12/2026 | 03/31/2026 | 03/31/2026 | 03/11/2026 |
| 517 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ES1LPLQ2CTJ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | 1.Missing proof of cancel request for notice of seizure in favor of XX dated April XX,2016, recorded under Entry No.<br> XX, records of XX Louisiana.<br>2. Missing proof of cancel request for Notice of Seizure in favor of XX dated May XX, 2016, recorded under Entry No. XX,<br> records of XXLouisiana.<br>03/XX/2026: Resolved. Received proof of cancellation | 03/27/2026: Resolved. Received proof of cancellation | 03/27/2026: Resolved. Received proof of cancellation |  |  | QC Complete | 03/12/2026 | 03/27/2026 | 03/27/2026 | 03/12/2026 |
| 523 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NE3HNFEIWKQ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 7.635% Allowed 7.620% Overby +0.015%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/10/2026 | 04/10/2026 | 04/10/2026 | 04/09/2026 |
| 526 | XX | XX |  | XX | XX | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 3HV0UGGRH0H-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. |  |  | QC Complete | 04/10/2026 | 04/16/2026 | 04/16/2026 | 04/09/2026 |
| 528 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | BELH0S4K5W3-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to allow a non arms length transaction between family members.<br>A copy of an exception approval letter is available in the loan file. |  |  | Family member distant relative (2nd cousin) Borrower has never resided in the subject property & seller owns F/C and both units are currently tenant occupied.<br>FICO: 799 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.04 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 20 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 05/11/2026 |  |  | 04/15/2026 |
| 531 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 4IU4EOVIZDI-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Reserves do not meet guideline requirements. However, a copy of an exception approval letter is available in the loan file. Waiver of six months' reserve requirement<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 40.606% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 787 FICO exceeds the guideline requirement of 700.<br>LTV: 63.603% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 05/11/2026 |  |  | 04/23/2026 |
| 539 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 2 | 1 | Credit | Guidelines | MUMFTDBUGW5-J587LE2V | Resolved | 2 | R | \* Loan does not conform to program guidelines (Lvl R) | Missing fully executed and recorded warranty deed showing transfer of title from XX, Series B to XXX. Exception approval in files is not valid as the borrower's ownership is 51% which is majority.<br>04/XX/2026: Resolved. Received warranty deed | 04/16/2026: Resolved. Received warranty deed | 04/16/2026: Resolved. Received warranty deed |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 04/10/2026 |
| 543 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 20LHHZU4R5Z-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the bank statement XXX #, dated 10/XX/2025-10/XX/2025, as it is missing.<br> Resolved. Received October 31, 2025 statement for XXX #XXX | Resolved. Received October 3XX1, 2025 statement for XX | Resolved. Received October 31, 2025 statement for XXX #XX |  |  | QC Complete | 04/29/2026 | 05/04/2026 | 05/04/2026 | 04/27/2026 |
| 552 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | HYVTEV10ICW-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | The government-issued driver's licenses provided for Borrower 1 and Borrower 2 are not legible. Provide updated driver's licenses for both borrowers, XX<br>Resolved: Received state issured drivers licenses | Resolved: Received state issured drivers licenses | Resolved: Received state issured drivers licenses |  |  | QC Complete | 04/30/2026 | 05/04/2026 | 05/04/2026 | 04/30/2026 |
| 569 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XK5VIVXMBM5-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing FICO score of 735 vs required score of 740<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 47.64% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 72.01% LTV is less than the guideline requirement of 75.00%.<br>Reserves: The 26 months of available reserves are more than the guideline requirement of 14 months. |  | QC Complete | 05/11/2026 |  |  | 03/27/2026 |
| 574 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | O1CCMVNO2KF-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Non-permanent resident alien - not eligible for program.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 50.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 746 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.37 DSCR exceeds the guideline requirement of 1.00.<br>|  | QC Complete | 04/13/2026 |  |  | 04/10/2026 |
| 591 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | KQVJAFR0LPN-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a clear copy of the borrower's government-issued ID, as the current one is not legible.<br> 04/XX/2026: Resolved. Received legible ID | 04/01/2026: Resolved. Received legible ID | 04/01/2026: Resolved. Received legible ID |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/25/2026 |
| 612 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | RFSRCCI3CHL-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 7.991% Allowed 7.520% Overby +0.471%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/02/2026 | 04/02/2026 | 04/02/2026 | 04/02/2026 |
| 633 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | QASTY22QY21-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title supplement to cover the loan amount $XX.<br> 04/XX/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. |  |  | QC Complete | 04/13/2026 | 04/16/2026 | 04/16/2026 | 04/09/2026 |
| 638 | XX | XX |  | XX | XX | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0EEV4VBCE04-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Loan Scorecard 1st page missing.<br>04/XX/2026: Resolved. Received LoanScorecard. | 04/30/2026: Resolved. Received LoanScorecard. | 04/30/2026: Resolved. Received LoanScorecard. |  |  | QC Complete | 04/28/2026 | 04/30/2026 | 04/30/2026 | 04/27/2026 |
| 642 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | TWSFU4Y5EQD-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged 8.075% Allowed 7.720% Overby +0.355%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/14/2026 | 04/14/2026 | 04/14/2026 | 04/13/2026 |
| 642 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | TWSFU4Y5EQD-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6) 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 (COMAR).<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 8.075% Allowed 7.720% Overby +0.355%.<br>This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). | This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). | This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |  |  | QC Complete | 04/14/2026 | 04/14/2026 | 04/14/2026 | 04/14/2026 |
| 650 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 10B1JYKUHX5-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Verification of Rent (VOR) for the property at XX, reflecting a monthly rent of $1,850.00.<br> 04/XX/2026: Resolved. Received VOR | 04/16/2026: Resolved. Received VOR | 04/16/2026: Resolved. Received VOR |  |  | QC Complete | 04/13/2026 | 04/16/2026 | 04/16/2026 | 04/13/2026 |
| 666 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | LSMJMVWBJWB-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXin the Title Commitment is less than the loan amount $XX.<br> 04/XX/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. |  |  | QC Complete | 04/13/2026 | 04/16/2026 | 04/16/2026 | 04/11/2026 |
| 666 | XX | XX |  | XX | XX | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | LSMJMVWBJWB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide supporting documentation for the subject property's "other expense" of $313.14 included in the PITI.<br> 04/XX/2026: Resolved. Received HOA statement for $412.00 | 04/16/2026: Resolved. Received HOA statement for $412.00 | 04/16/2026: Resolved. Received HOA statement for $412.00 |  |  | QC Complete | 04/13/2026 | 04/16/2026 | 04/16/2026 | 04/11/2026 |
| 676 | XX | XX |  | XX | XX | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | DD44E0G4SAO-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide a copy of the updated appraisal report or 1004D reflecting the rear image of the subject property as it is missing.<br> 03/XX/2026: Not resolved: Rear picture of the subject is still needed.<br>03/XX/2026: Resolved. Received a picture of the rear. | 03/30/2026: Resolved. Received a picture of the rear. | 03/30/2026: Resolved. Received a picture of the rear. |  |  | QC Complete | 03/12/2026 | 03/30/2026 | 03/30/2026 | 03/12/2026 |
| 683 | XX | XX |  | XX | XX | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | H4WUXQ5S1UO-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The borrower has additional REO; however, the loan file does not include documentation verifying the cost of any applicable HOA dues for the property. As this expense must be considered in the DTI calculation, please provide proof of the HOA dues for the property located at XX<br>04/XX/2026: Resolved. Received loe no HOA. | 04/08/2026: Resolved. Received loe no HOA. | 04/08/2026: Resolved. Received loe no HOA. |  |  | QC Complete | 03/31/2026 | 04/08/2026 | 04/08/2026 | 03/31/2026 |
| 722 | XX | XX |  | XX | XX | XX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XMIY5B0DYGQ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing exception for 80% LTV vs max 75%<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 12.88% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 791 FICO exceeds the guideline requirement of 740.<br>Reserves: The 11 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 04/14/2026 |  |  | 04/11/2026 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

NRMLT 2026-NQM7<br>Rithm Capital Corp.<br>

Opus Capital Markets Consultants, LLC

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

**Executive Narrative**

**May 19, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 275 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains one hundred thirty six (136) Non-QM loans, and one hundred thirty nine (139) ATR/QM Exempt loans, of which one hundred nine (109) are DSCR loans and thirty (30) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

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

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

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

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or
final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that a proper conveyance deed is present
in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a
final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

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

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

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related
documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio
calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

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

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material" <sup>1</sup> disclosure requirements
 of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership
 and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions
 relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35,
 and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"),
 as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by
 the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in
 accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the
transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the
disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from
the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original
creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance
that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s),
with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties,
principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a
review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7)
business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 the required sections of each LE to ensure they were populated in accordance with the TRID
 Rules. (If the file reflects more than one LE was provided, each revised LE must have
 corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations
 will be based on the fee amounts disclosed on the initial LE and any valid changes documented
 and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3)
 business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they
 were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan
 consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act
("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID
Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section
50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan
file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform
and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages
(12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering
provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented
by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the
Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by
Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

10. The escrow requirements of TILA and RESPA, as implemented
by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable
state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located
in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant
shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not
limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory
compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered
final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified
by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is
estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent)
or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed
or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based
on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan
file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial
Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered
delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered
the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if
applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party
fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating
that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the
document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable
limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied
by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's
status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due
diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant
will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under §
1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for
lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the
requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to
July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency
as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file
the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the
file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan
to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest
only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether
the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans
only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review
the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party
documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the
consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the
subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance
and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to
receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the
Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and
all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at
least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least
6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement,
confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an
acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender
has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing
notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a)
If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than
the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure
was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit
score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat.
§ 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code §
26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at
815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after
September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts
Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184,
§17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann.
§ 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat §
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended
by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New
Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003),
codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

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

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank.
L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185
(2006), and as codified in various sections of the Ohio Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni.
Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. §
456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented
by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer
Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

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

1) Misrepresentation Review and Valuation Review

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To
the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained
in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing
valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as
appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or
Federal or State law.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore
does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity
Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility
to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

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

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance
with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing
material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10%
of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10%
of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal
and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan
documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
 Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity
 requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience meets
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents
 are in the file). Verify the individual signing on behalf of the organization has the authority
 to bind the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
 are eligible per the
Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of
 DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan
file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report
was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting
guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

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

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex99-2_002.jpg)

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;95.27% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;91 | &nbsp;&nbsp;66.91% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;46 | &nbsp;&nbsp;83.27% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;**Total Number of Loans** | &nbsp;&nbsp;**275** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were six (6) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated May 19, 2026.

![](ex99-2_003.jpg)

**<u>Loans Reviewed (275)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;216490052 | &nbsp;&nbsp;9709852058 | &nbsp;&nbsp;9735694052 | &nbsp;&nbsp;9751429367 | &nbsp;&nbsp;9767621437 | &nbsp;&nbsp;9777364044 | &nbsp;&nbsp;9789262962 |
| &nbsp;&nbsp;216569764 | &nbsp;&nbsp;9711613316 | &nbsp;&nbsp;9736214678 | &nbsp;&nbsp;9752895244 | &nbsp;&nbsp;9767714018 | &nbsp;&nbsp;9777546012 | &nbsp;&nbsp;9789398782 |
| &nbsp;&nbsp;216679373 | &nbsp;&nbsp;9713275700 | &nbsp;&nbsp;9736849127 | &nbsp;&nbsp;9754109198 | &nbsp;&nbsp;9767768352 | &nbsp;&nbsp;9777619132 | &nbsp;&nbsp;9790039235 |
| &nbsp;&nbsp;216693002 | &nbsp;&nbsp;9714150043 | &nbsp;&nbsp;9736950172 | &nbsp;&nbsp;9754316108 | &nbsp;&nbsp;9767828677 | &nbsp;&nbsp;9778658923 | &nbsp;&nbsp;9790414966 |
| &nbsp;&nbsp;216715102 | &nbsp;&nbsp;9716738407 | &nbsp;&nbsp;9737542481 | &nbsp;&nbsp;9754558857 | &nbsp;&nbsp;9768318447 | &nbsp;&nbsp;9779052373 | &nbsp;&nbsp;9790543905 |
| &nbsp;&nbsp;216717876 | &nbsp;&nbsp;9716859260 | &nbsp;&nbsp;9738013151 | &nbsp;&nbsp;9754590538 | &nbsp;&nbsp;9768507148 | &nbsp;&nbsp;9779353623 | &nbsp;&nbsp;9790756366 |
| &nbsp;&nbsp;216719260 | &nbsp;&nbsp;9717072137 | &nbsp;&nbsp;9739422088 | &nbsp;&nbsp;9755139145 | &nbsp;&nbsp;9768513062 | &nbsp;&nbsp;9779972026 | &nbsp;&nbsp;9790936893 |
| &nbsp;&nbsp;216721878 | &nbsp;&nbsp;9717075874 | &nbsp;&nbsp;9740693768 | &nbsp;&nbsp;9755490282 | &nbsp;&nbsp;9768567274 | &nbsp;&nbsp;9780149010 | &nbsp;&nbsp;9791637359 |
| &nbsp;&nbsp;216723940 | &nbsp;&nbsp;9719113590 | &nbsp;&nbsp;9741063946 | &nbsp;&nbsp;9755695955 | &nbsp;&nbsp;9768633209 | &nbsp;&nbsp;9780199304 | &nbsp;&nbsp;9791669758 |
| &nbsp;&nbsp;216735779 | &nbsp;&nbsp;9719543986 | &nbsp;&nbsp;9741106885 | &nbsp;&nbsp;9755700722 | &nbsp;&nbsp;9768691314 | &nbsp;&nbsp;9780253291 | &nbsp;&nbsp;9792599194 |
| &nbsp;&nbsp;216744532 | &nbsp;&nbsp;9720179853 | &nbsp;&nbsp;9741666128 | &nbsp;&nbsp;9756729498 | &nbsp;&nbsp;9768842685 | &nbsp;&nbsp;9780310216 | &nbsp;&nbsp;9792976103 |
| &nbsp;&nbsp;216747162 | &nbsp;&nbsp;9720267757 | &nbsp;&nbsp;9742074298 | &nbsp;&nbsp;9756799392 | &nbsp;&nbsp;9769484347 | &nbsp;&nbsp;9780324712 | &nbsp;&nbsp;9793790313 |
| &nbsp;&nbsp;216763755 | &nbsp;&nbsp;9722939296 | &nbsp;&nbsp;9742314157 | &nbsp;&nbsp;9756979739 | &nbsp;&nbsp;9769585663 | &nbsp;&nbsp;9780384765 | &nbsp;&nbsp;9793932360 |
| &nbsp;&nbsp;216764738 | &nbsp;&nbsp;9723102407 | &nbsp;&nbsp;9742334452 | &nbsp;&nbsp;9757421186 | &nbsp;&nbsp;9769833725 | &nbsp;&nbsp;9780471513 | &nbsp;&nbsp;9794075151 |
| &nbsp;&nbsp;216765511 | &nbsp;&nbsp;9723429461 | &nbsp;&nbsp;9742505333 | &nbsp;&nbsp;9757493763 | &nbsp;&nbsp;9770321488 | &nbsp;&nbsp;9780608304 | &nbsp;&nbsp;9794696071 |
| &nbsp;&nbsp;216765776 | &nbsp;&nbsp;9723486081 | &nbsp;&nbsp;9742839427 | &nbsp;&nbsp;9757927299 | &nbsp;&nbsp;9770715689 | &nbsp;&nbsp;9780701653 | &nbsp;&nbsp;9794745936 |
| &nbsp;&nbsp;216789016 | &nbsp;&nbsp;9723869625 | &nbsp;&nbsp;9743291339 | &nbsp;&nbsp;9758055454 | &nbsp;&nbsp;9771145894 | &nbsp;&nbsp;9780983814 | &nbsp;&nbsp;9795256123 |
| &nbsp;&nbsp;216798736 | &nbsp;&nbsp;9724115762 | &nbsp;&nbsp;9743437304 | &nbsp;&nbsp;9758060876 | &nbsp;&nbsp;9771276228 | &nbsp;&nbsp;9780986908 | &nbsp;&nbsp;9795622449 |
| &nbsp;&nbsp;216801480 | &nbsp;&nbsp;9724272886 | &nbsp;&nbsp;9743510407 | &nbsp;&nbsp;9758063326 | &nbsp;&nbsp;9771833176 | &nbsp;&nbsp;9781163473 | &nbsp;&nbsp;9795922260 |
| &nbsp;&nbsp;216818492 | &nbsp;&nbsp;9724295556 | &nbsp;&nbsp;9743729353 | &nbsp;&nbsp;9758598610 | &nbsp;&nbsp;9771858256 | &nbsp;&nbsp;9781486650 | &nbsp;&nbsp;9795949263 |
| &nbsp;&nbsp;216830885 | &nbsp;&nbsp;9725047451 | &nbsp;&nbsp;9743940224 | &nbsp;&nbsp;9759754246 | &nbsp;&nbsp;9772094513 | &nbsp;&nbsp;9782136957 | &nbsp;&nbsp;9796321793 |
| &nbsp;&nbsp;216839167 | &nbsp;&nbsp;9725739156 | &nbsp;&nbsp;9744020547 | &nbsp;&nbsp;9759910889 | &nbsp;&nbsp;9772368990 | &nbsp;&nbsp;9782363437 | &nbsp;&nbsp;9796548759 |
| &nbsp;&nbsp;216842161 | &nbsp;&nbsp;9726262455 | &nbsp;&nbsp;9744246985 | &nbsp;&nbsp;9759938195 | &nbsp;&nbsp;9772425808 | &nbsp;&nbsp;9782807581 | &nbsp;&nbsp;9796687227 |
| &nbsp;&nbsp;216843383 | &nbsp;&nbsp;9728411167 | &nbsp;&nbsp;9744582645 | &nbsp;&nbsp;9760524208 | &nbsp;&nbsp;9772590866 | &nbsp;&nbsp;9783001267 | &nbsp;&nbsp;9797038511 |
| &nbsp;&nbsp;216846154 | &nbsp;&nbsp;9728691263 | &nbsp;&nbsp;9745518192 | &nbsp;&nbsp;9760769589 | &nbsp;&nbsp;9772612678 | &nbsp;&nbsp;9783620405 | &nbsp;&nbsp;9797137321 |
| &nbsp;&nbsp;216858506 | &nbsp;&nbsp;9728734717 | &nbsp;&nbsp;9746101378 | &nbsp;&nbsp;9761427849 | &nbsp;&nbsp;9772854718 | &nbsp;&nbsp;9784088610 | &nbsp;&nbsp;9797146108 |
| &nbsp;&nbsp;216924779 | &nbsp;&nbsp;9729360777 | &nbsp;&nbsp;9747515659 | &nbsp;&nbsp;9761485813 | &nbsp;&nbsp;9772993730 | &nbsp;&nbsp;9784765258 | &nbsp;&nbsp;9797244168 |
| &nbsp;&nbsp;216927228 | &nbsp;&nbsp;9730222552 | &nbsp;&nbsp;9747517036 | &nbsp;&nbsp;9762470640 | &nbsp;&nbsp;9773113577 | &nbsp;&nbsp;9785662991 | &nbsp;&nbsp;9797729440 |
| &nbsp;&nbsp;9704553164 | &nbsp;&nbsp;9730616696 | &nbsp;&nbsp;9747736925 | &nbsp;&nbsp;9762472539 | &nbsp;&nbsp;9773305611 | &nbsp;&nbsp;9786163569 | &nbsp;&nbsp;9797889533 |
| &nbsp;&nbsp;9706994051 | &nbsp;&nbsp;9730645190 | &nbsp;&nbsp;9748724318 | &nbsp;&nbsp;9762886191 | &nbsp;&nbsp;9774052337 | &nbsp;&nbsp;9786231986 | &nbsp;&nbsp;9798345766 |
| &nbsp;&nbsp;9707130085 | &nbsp;&nbsp;9730648996 | &nbsp;&nbsp;9748825230 | &nbsp;&nbsp;9763456515 | &nbsp;&nbsp;9774161781 | &nbsp;&nbsp;9786238379 | &nbsp;&nbsp;9798831039 |
| &nbsp;&nbsp;9707694957 | &nbsp;&nbsp;9731403599 | &nbsp;&nbsp;9749129558 | &nbsp;&nbsp;9763630531 | &nbsp;&nbsp;9774279682 | &nbsp;&nbsp;9786247701 | &nbsp;&nbsp;9798908589 |
| &nbsp;&nbsp;9707699964 | &nbsp;&nbsp;9732106035 | &nbsp;&nbsp;9749310166 | &nbsp;&nbsp;9764156338 | &nbsp;&nbsp;9774519475 | &nbsp;&nbsp;9786341280 | &nbsp;&nbsp;9798992872 |
| &nbsp;&nbsp;9707763042 | &nbsp;&nbsp;9732484291 | &nbsp;&nbsp;9749582467 | &nbsp;&nbsp;9764520228 | &nbsp;&nbsp;9775154173 | &nbsp;&nbsp;9786345893 | &nbsp;&nbsp;9799151924 |
| &nbsp;&nbsp;9708444436 | &nbsp;&nbsp;9733459722 | &nbsp;&nbsp;9749994233 | &nbsp;&nbsp;9765367157 | &nbsp;&nbsp;9775728661 | &nbsp;&nbsp;9787124867 | &nbsp;&nbsp;9799249181 |
| &nbsp;&nbsp;9708634895 | &nbsp;&nbsp;9733644950 | &nbsp;&nbsp;9750689870 | &nbsp;&nbsp;9765701645 | &nbsp;&nbsp;9775825004 | &nbsp;&nbsp;9787484220 |  |
| &nbsp;&nbsp;9708683439 | &nbsp;&nbsp;9735092034 | &nbsp;&nbsp;9750747660 | &nbsp;&nbsp;9765887444 | &nbsp;&nbsp;9776241235 | &nbsp;&nbsp;9788172360 |  |
| &nbsp;&nbsp;9709323704 | &nbsp;&nbsp;9735198385 | &nbsp;&nbsp;9750766124 | &nbsp;&nbsp;9766218292 | &nbsp;&nbsp;9776645831 | &nbsp;&nbsp;9788199454 |  |
| &nbsp;&nbsp;9709417290 | &nbsp;&nbsp;9735294804 | &nbsp;&nbsp;9751086647 | &nbsp;&nbsp;9766977434 | &nbsp;&nbsp;9776802127 | &nbsp;&nbsp;9789154250 |  |
| &nbsp;&nbsp;9709561626 | &nbsp;&nbsp;9735663057 | &nbsp;&nbsp;9751318255 | &nbsp;&nbsp;9767455208 | &nbsp;&nbsp;9777268419 | &nbsp;&nbsp;9789185692 |  |

---

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

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 64 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 46.11 | 46.11 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 43.64 | 43.64 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 81 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 68.75 | 68.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 87 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 89 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 57.9 | 57.9 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-XX-2026 |
| 90 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-XX-2026 |
| 91 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 93 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 95 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 102 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 107 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 109 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 115 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 49.25 | 49.25 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 116 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 117 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 118 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 128 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 132 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 73.58 | 73.58 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 133 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 74.6 | 74.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-XX-2026 |
| 140 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 41.18 | 41.18 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 143 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 146 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0457 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0457 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 147 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 148 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 149 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 152 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 161 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 162 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 248 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 69.89 | 69.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-XX-2026 |
| 254 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 255 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 256 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 257 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.56 | 63.56 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-XX-2026 |
| 259 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 32.0 | 32.0 | XX | XX | .0400 | 1004 URAR |  |  |  |  | XX | XX | .0400 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 |
| 261 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 73.6 | 73.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 262 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 263 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 266 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 39.03 | 39.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 267 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 268 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 77.15 | 77.15 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 270 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 273 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 17.89 | 17.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 278 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 279 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 283 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.23 | 80.23 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 284 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2026 |
| 285 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-XX-2026 |
| 286 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 290 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 51.27 | 51.27 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-XX-2026 |
| 291 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-XX-2026 |
| 293 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 294 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 54.55 | 54.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 299 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 300 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 87.0 | 87.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 303 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 304 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 46.03 | 46.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 306 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 308 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.69 | 60.69 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 310 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 311 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 34.82 | 34.82 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 |
| 313 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 71.58 | 71.58 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 316 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-XX-2026 |
| 319 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 326 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 327 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 328 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-XX-2026 |
| 330 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 72.27 | 72.27 | XX | XX | .0476 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0476 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-XX-2026 |
| 332 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 333 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 334 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 335 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 341 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 47.2 | 47.2 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-XX-2026 |
| 343 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 61.88 | 61.88 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 345 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 347 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 348 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 354 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 355 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-XX-2026 |
| 356 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 358 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-XX-2026 |
| 359 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2026 |
| 361 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 37.5 | 37.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2026 |
| 363 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 364 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 367 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-XX-2026 |
| 370 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 373 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.83 | 63.83 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 379 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 382 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 46.51 | 46.51 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-XX-2026 |
| 383 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 386 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.73 | 73.81 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 388 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 03-XX-2026 |
| 390 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 391 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 397 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0182 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0182 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 402 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 406 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 55.0 | 55.0 | XX | XX | -.0580 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0580 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 407 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.88 | 69.88 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 411 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 412 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 58.86 | 58.86 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 413 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 42.25 | 60.17 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 416 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 420 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-XX-2026 |
| 423 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 03-XX-2026 |
| 426 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 02-XX-2026 |
| 427 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.23 | 79.23 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 428 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 434 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 436 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 437 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 438 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 439 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 59.24 | 59.24 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-XX-2026 |
| 441 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 44.83 | 44.83 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 445 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-XX-2026 |
| 446 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 447 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 448 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 449 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 450 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 458 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 465 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 56.9 | 56.9 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 03-XX-2026 |
| 466 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 469 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 470 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0383 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0383 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 471 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-XX-2026 |
| 472 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 473 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 474 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 83.67 | 83.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 03-XX-2026 |
| 480 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 77.31 | 77.31 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-XX-2026 |
| 481 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | XX | -.0411 | XX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-XX-2026 |
| 482 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |
| 483 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.55 | 74.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-XX-2026 |
| 485 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-XX-2026 |
| 487 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 488 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 489 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 68.08 | 68.08 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 490 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 492 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.69 | 63.69 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 497 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 79.95 | 79.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-XX-2026 |
| 500 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 501 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 505 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 506 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 02-XX-2026 |
| 510 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 511 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 518 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 519 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 522 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 527 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 61.43 | 61.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 530 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.98 | 74.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 532 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 534 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 536 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0183 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0183 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 540 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.88 | 74.88 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 541 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 545 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 547 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 548 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 52.7 | 52.7 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 549 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 550 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 |
| 551 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0044 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0044 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 553 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 554 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 78.57 | 78.57 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 555 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 557 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 55.9 | 55.9 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 558 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 04-XX-2026 |
| 560 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 561 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.38 | 69.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 562 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 563 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 565 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-XX-2026 |
| 568 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 570 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.08 | 69.08 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 571 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 576 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.03 | 66.03 | XX | XX | -.0003 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0003 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 577 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0154 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0154 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 578 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 579 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 580 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 581 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 584 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 585 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-XX-2026 |
| 587 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 78.18 | 78.18 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-XX-2026 |
| 588 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 589 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-XX-2026 |
| 590 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 50.82 | 50.82 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 593 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 71.05 | 71.05 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 594 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .1731 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 596 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 71.96 | 71.96 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-XX-2026 |
| 597 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.71 | 75.71 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 601 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.35 | 69.35 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 603 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2026 |
| 605 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 609 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 610 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-XX-2026 |
| 614 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 615 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 616 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.1331 | Desk Review |  |  |  |  | XX | XX | .0181 | XX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XX | XX | -.1331 | XX | High Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 617 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 618 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 76.92 | 76.92 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-XX-2026 |
| 620 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 621 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 623 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 624 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-XX-2026 |
| 626 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 627 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-XX-2026 |
| 628 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 629 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 49.18 | 49.18 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 630 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 631 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 77.97 | 77.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 632 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-XX-2026 |
| 635 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.38 | 63.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-XX-2026 |
| 636 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 637 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 41.74 | 41.74 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 02-XX-2026 |
| 640 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 641 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-XX-2026 |
| 644 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.2 | 70.2 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-XX-2026 |
| 646 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-XX-2026 |
| 648 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-XX-2026 |
| 649 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.57 | 75.57 | XX | XX | .0326 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0326 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 651 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 71.6 | 71.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 653 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 655 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 52.87 | 52.87 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 04-XX-2026 |
| 656 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 660 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-XX-2026 |
| 661 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-XX-2026 |
| 662 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 54.78 | 54.78 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-XX-2026 |
| 663 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 78.67 | 78.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 664 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-XX-2026 |
| 665 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.0 | 74.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 669 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 74.81 | 74.81 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 03-XX-2026 |
| 670 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 673 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 02-XX-2026 |
| 674 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 03-XX-2026 |
| 678 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.1 | 79.1 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 679 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 680 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 67.57 | 67.57 | XX | XX | -.0270 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0270 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 681 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 687 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-XX-2026 |
| 689 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 03-XX-2026 |
| 690 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 72.22 | 72.22 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 692 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 52.53 | 52.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 693 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 695 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 696 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 72.73 | 72.73 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 03-XX-2026 |
| 698 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 699 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.28 | 60.28 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 03-XX-2026 |
| 700 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 701 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 702 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 705 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 707 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 708 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 709 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 84.99 | 84.99 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 711 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 67.09 | 67.09 | XX | XX | .0606 | 1004 URAR |  |  |  |  | XX | XX | .0606 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 712 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 713 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 714 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0328 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0328 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 715 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 59.26 | 59.26 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 716 | XX | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 717 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 720 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 721 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | -.0410 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0410 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-XX-2026 |
| 724 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 71.43 | 71.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 |
| 726 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 727 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 51.69 | 51.69 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 03-XX-2026 |
| 728 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 730 | XX | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.7 | 69.7 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 731 | XX | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

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|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 64 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 67 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 87 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 90 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 93 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 95 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 102 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 107 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 109 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 115 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 116 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 117 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 118 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 128 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 133 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 140 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 143 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 146 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 147 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 148 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 149 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 152 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 161 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 248 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 254 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 255 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 256 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 257 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 259 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 261 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 262 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 263 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 266 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 267 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 268 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 270 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 273 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 278 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 279 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 283 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 284 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 285 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 286 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 290 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 291 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 293 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 294 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 299 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 300 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 303 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 304 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 306 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 308 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 310 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 311 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 313 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 316 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 319 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 326 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 327 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 328 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 330 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 332 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 333 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 334 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 335 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 341 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 343 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 345 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 347 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 348 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 354 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 355 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 356 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 358 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 359 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 361 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 363 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 364 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 367 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 370 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 373 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 379 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 382 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 383 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 386 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 388 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 390 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 391 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 397 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 402 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 406 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 407 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 411 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 412 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 413 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 416 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 420 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 423 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 426 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 427 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 428 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 434 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 436 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 437 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 438 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 439 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 441 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 445 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 446 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 447 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 448 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 449 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 450 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 458 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 465 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 466 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 469 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 470 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 471 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 472 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 473 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 474 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 480 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 481 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 482 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 483 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 485 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 487 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 488 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 489 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 490 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 492 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 497 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 500 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 501 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 505 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 506 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 510 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 511 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 518 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 519 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 522 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 527 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 530 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 532 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 534 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 536 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 537 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 540 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 541 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 545 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 547 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 548 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 549 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 550 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 551 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 553 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 554 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 555 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 557 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 558 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 560 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 561 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 562 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 563 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 565 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 568 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 570 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 571 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 576 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 577 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 578 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 579 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 580 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 581 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 584 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 585 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 587 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 588 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 589 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 590 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 593 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 594 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 596 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 597 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 601 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 603 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 605 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 606 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 609 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 610 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 614 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 615 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 616 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 617 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 618 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 620 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 621 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 623 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 624 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 626 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 627 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 628 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 629 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 630 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 631 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 632 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 635 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 636 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 637 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 640 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 641 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 644 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 646 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 648 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 649 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 651 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 653 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 656 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 660 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 661 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 662 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 663 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 664 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 665 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 669 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 670 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 673 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 674 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 678 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 680 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 681 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 684 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 685 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 687 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 689 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 690 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 692 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 693 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 695 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 696 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 698 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 699 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 700 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 701 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 702 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 705 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 707 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 708 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 709 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 711 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 712 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 713 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 714 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 715 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 716 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 717 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 720 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 721 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 724 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 726 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 727 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 728 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 730 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 731 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| 64 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2050 | 2050 | Appraisal - 1007 |  |  |  |  | 2050 | Actual In Place Rent | No | 76.17 | 1.31 | 1.313 | 1561.56 | 2050 | 12-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18684.72 |  |  |  | 2050 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 116.47 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 81 | XX |  |  | XX | XX | 1YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1704.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 312.01 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 87 | XX |  |  | XX | XX | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3964.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.1 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 91 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1025 |  |  |  |  | 2550 | Appraisal - 1025 | No | 65.32 | 1.53 | 1.531 | 1665.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19989.24 |  |  |  | 2550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.21 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 93 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1668.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22797 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 107.89 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 95 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4560.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4304.21 |  |  |  |  |  |  |  |  |  |  |  | No | 4.8 | 1 | 1 | N/A | 279.87 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 102 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2150 | Appraisal - 1007 |  |  |  |  | 2150 | Appraisal - 1007 | No | 95.4 | 1.04 | 1.048 | 2051.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32510 |  |  |  | 2150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 283.81 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 107 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1413.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40800 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.8 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 109 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1840.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40800 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 468.37 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 115 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1875 | Appraisal - 1007 |  |  |  |  | 1875 | Appraisal - 1007 | No | 80.03 | 1.24 | 1.25 | 1500.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17525.76 |  |  |  | 1875 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.6 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 116 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1400 | Appraisal - 1007 |  |  |  |  | 1400 | Appraisal - 1007 | No | 83.84 | 1.19 | 1.193 | 1173.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17400 |  |  |  | 1400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.23 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 118 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3650 | 3800 | Appraisal - 1007 |  |  |  |  | 3650 | Actual In Place Rent | No | 116.75 | 0.85 | 0.857 | 4261.45 | 3650 | 05-30-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25568.7 |  |  |  | 3650 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 133.67 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 128 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 6450 | 8100 | Appraisal - 1007 |  |  |  |  | 6450 | Actual In Place Rent | No | 112.36 | 0.86 | 0.89 | 7246.91 | 1750 | 04-15-2026 | 1 | 2200 | 04-15-2026 | 1 | 2500 | 04-15-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90400 |  |  |  | 6450 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 60.92 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 132 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1990 | 1990 | Appraisal - 1025 |  |  |  |  | 1990 | Appraisal - 1025 | No | 81.58 | 1.22 | 1.226 | 1623.37 | 995 | 02-28-2026 | 1 | 995 | 02-28-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35100 |  |  |  | 1990 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.69 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 146 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 84.93 | 1.16 | 1.177 | 1401.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16900.92 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 110.48 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 147 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1505.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 2 | 1 | N/A | 50.23 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 162 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1233.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  | 0 |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 65.13 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 254 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 6311 | 7100 | Appraisal - 1025 |  |  |  |  | 6311 | Actual In Place Rent | No |  | 1 | 1.009 | 6253.45 | 2600 | 02-28-2026 | 1 | 1811 | 02-28-2026 | 1 | 1900 | 02-28-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 6311 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 9.48 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 256 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1025 |  |  |  |  | 2200 | Appraisal - 1025 | No | 99.79 | 1 | 1.002 | 2195.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40400 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.47 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 261 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1725 | Appraisal - 1007 |  |  |  |  | 1725 | Appraisal - 1007 | No | 116.81 | 0.85 | 0.856 | 2015.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24180.12 |  |  |  | 1725 |  |  |  |  |  |  |  | No | 7.6 | 1 | 1 | N/A | 33.88 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 266 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2235 | Appraisal - 1007 |  |  |  |  | 2235 | Appraisal - 1007 | No | 61.03 | 1.63 | 1.638 | 1364.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38770 |  |  |  | 2235 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 873.57 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 267 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4700 | Appraisal - 1007 |  |  |  |  | 4700 | Appraisal - 1007 | No | 93.21 | 1.07 | 1.073 | 4380.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26284.02 |  |  |  | 4700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 28.83 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 270 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1945 | 2500 | Appraisal - 1007 |  |  |  |  | 1945 | Actual In Place Rent | No | 81.22 | 1.21 | 1.231 | 1579.65 | 1945 | 03-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 1945 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 143.41 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 278 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4995 | 5500 | Appraisal - 1007 |  |  |  |  | 4995 | Actual In Place Rent | No | 172.26 | 0.58 | 0.581 | 8604.62 | 4995 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43700 |  |  |  | 4995 |  |  |  |  |  |  | No | No | 1.2 | 6 | 1 | N/A | 12.78 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 279 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2800 | 3200 | Appraisal - 1025 |  |  |  |  | 2800 | Actual In Place Rent | No |  | 1.61 | 1.616 | 1732.91 | 1400 | 02-28-2027 | 12 | 1400 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10397.46 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 91.51 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 283 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 74.16 | 1 | 1.348 | 1483.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17917.92 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 8.32 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 284 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3121.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37461.24 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 4 | 1 | N/A | 20.74 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 286 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1750 | Appraisal - 1007 |  |  |  |  | 1100 | Actual In Place Rent | No | 128.86 | 0.77 | 0.776 | 1417.5 | 1100 | 04-22-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8514 |  |  |  | 1100 |  |  |  |  |  |  | No | No | 8.3 | 1 | 1 | N/A | 64.33 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 291 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1725 | Appraisal - 1007 |  |  |  |  | 1725 | Appraisal - 1007 | No | 135.08 | 0.74 | 0.74 | 2330.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 1725 |  |  |  |  |  |  |  | No | 0 | 4 | 1 | N/A | 142.72 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 299 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 5350 | Appraisal - 1025 |  |  |  |  | 5350 | Appraisal - 1025 | No | 37.33 | 2.4 | 2.679 | 1996.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 5350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 350.35 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 303 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3575 | Appraisal - 1007 |  |  |  |  | 3575 | Appraisal - 1007 | No | 97.95 | 1 | 1.021 | 3501.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19504.02 |  |  |  | 3575 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.76 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 310 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 2883.33 | AirDNA | 12 | 50.60% | 2883.33 | AirDNA | Yes | 80.61 | 1.24 | 1.241 | 2324.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19500 |  |  |  | 2883.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 187.16 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 313 | XX |  |  | XX | XX | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3594.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 7.65 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 319 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 70.61 | 1.25 | 1.416 | 1059.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12238.44 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.84 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 333 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5700 | 5200 | Appraisal - 1025 |  |  |  |  | 5200 | Appraisal - 1025 | No | 76.28 | 1.31 | 1.311 | 3966.49 | 1450 | 09-01-2026 | 12 | 1450 | 05-01-2026 | 12 | 1450 | 03-01-2027 | 12 | 1350 | 08-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 47597.88 |  |  |  | 5200 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 9.59 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 334 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1007 |  |  |  |  | 2250 | Appraisal - 1007 | No | 137 | 0.73 | 0.73 | 3082.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18250.38 |  |  |  | 2250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 33.84 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 335 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3500 | AirDNA | 12 | 56.70% | 3500 | AirDNA | Yes | 97.56 | 1.02 | 1.025 | 3414.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 395.59 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 347 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 7441.66 | AirDNA | 12 | 55.80% | 7441.66 | AirDNA | Yes | 75.06 | 1.33 | 1.332 | 5585.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  | 7441.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 168.52 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 348 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4000 | 4900 | Appraisal - 1007 |  |  |  |  | 4000 | Actual In Place Rent | No | 151.3 | 0.66 | 0.661 | 6052.08 | 4000 | 07-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72624.96 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 7.5 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 354 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 2941 | AirDNA | 12 | 53.20% | 2941 | AirDNA | Yes | 154.53 | 0.64 | 0.647 | 4544.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50086.2 |  |  |  | 2941 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.36 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 355 | XX |  |  | XX | XX | 2YR Full Doc | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1777.09 | 1775 | 02-20-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 40.19 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 356 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3650 | AirDNA | 12 | 77.30% | 3650 | AirDNA | Yes | 51.03 | 1.95 | 1.96 | 1862.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22352.16 |  |  |  | 3650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.07 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 359 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 99.74 | 1 | 1.003 | 2393.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28725.72 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 12.28 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 364 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2100 | 2200 | Appraisal - 1007 |  |  |  |  | 2100 | Actual In Place Rent | No | 88.95 | 1.12 | 1.124 | 1867.99 | 2100 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14650 |  |  |  | 2100 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 91.97 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 370 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3133.33 | AirDNA | 12 | 46.10% | 3133.33 | AirDNA | Yes | 73.08 | 1.36 | 1.368 | 2289.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16000 |  |  |  | 3133.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 72.06 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 382 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2231.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31900 |  |  |  |  |  |  |  |  |  |  |  | No | 17.4 | 1 | 1 | N/A | 7.36 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 390 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4846.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.51 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 397 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1400 | Appraisal - 1007 |  |  |  |  | 1400 | Appraisal - 1007 | No | 96.97 | 1.03 | 1.031 | 1357.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11862.84 |  |  |  | 1400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 60.22 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 400 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 6550 | 9850 | Appraisal - 1025 |  |  |  |  | 6550 | Actual In Place Rent | No | 96.52 | 1.03 | 1.036 | 6321.88 | 900 | 03-25-2026 | 1 | 1050 | 03-25-2026 | 1 | 3100 | 03-25-2026 | 1 | 1500 | 03-25-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 37931.28 |  |  |  | 6550 |  |  |  |  |  |  | No | No | 0 | 3 | 1 | N/A | 6.81 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 402 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 7266.66 | AirDNA | 12 | 48.30% | 7266.66 | AirDNA | Yes | 77.56 | 1.28 | 1.289 | 5636.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 7266.66 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 11.67 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 406 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5625 | AirDNA | 12 | 45.00% | 5625 | AirDNA | Yes | 54.52 | 1.82 | 1.834 | 3066.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18401.1 |  |  |  | 5625 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 117.16 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 407 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  |  |  |  | 3900 | Appraisal - 1007 | No | 90.89 | 1.1 | 1.1 | 3544.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32000 |  |  |  | 3900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.83 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 412 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3300 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 88.51 | 1.03 | 1.13 | 2655.42 | 3300 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45700 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 210.26 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 413 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2625 | Appraisal - 1007 |  |  |  |  | 2625 | Appraisal - 1007 | No | 109.76 | 0.91 | 0.911 | 2881.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36600 |  |  |  | 2625 |  |  |  |  |  |  |  | No | 7 | 1 | 1 | N/A | 14.66 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 428 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1350 | Appraisal - 1007 |  |  |  |  | 1350 | Appraisal - 1007 | No | 89.84 | 1.11 | 1.113 | 1212.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7277.16 |  |  |  | 1350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.62 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 434 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1550 | Appraisal - 1007 |  |  |  |  | 1500 | Actual In Place Rent | No | 78.39 | 1.22 | 1.276 | 1175.88 | 1500 | 04-30-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14110.56 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 5.3 | 1 | 1 | N/A | 23.94 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 436 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 92.55 | 1.08 | 1.08 | 3702.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 104.49 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 437 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6400 | Appraisal - 1025 |  |  |  |  | 6400 | Appraisal - 1025 | No | 93.43 | 1.04 | 1.07 | 5979.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72000 |  |  |  | 6400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 438 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 7860 |  | Missing |  |  |  |  | 7860 | Actual In Place Rent | No | 72.4 | 1.38 | 1.381 | 5691.02 | 2500 | 03-01-2027 | 24 | 2800 | 07-14-2026 | 12 | 2560 | 03-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68292.24 |  |  |  | 7860 |  |  |  |  |  |  | No | No | 17.8 | 1 | 1 | N/A | 25.15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 447 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 99.73 | 1 | 1.003 | 1994.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32000 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 4 | 1 | N/A | 174.48 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 448 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 91.57 | 1.02 | 1.092 | 2930.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50500 |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.97 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 449 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1980 | 1980 | Appraisal - 1025 |  |  |  |  | 1980 | Appraisal - 1025 | No | 80.13 | 1.248 | 1.248 | 1586.62 | 975 | 04-09-2026 | 1 | 1005 | 04-09-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23760 |  |  |  | 1980 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 6.54 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 450 | XX |  |  | XX | XX | Retirement Income Doc Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3031.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.88 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 458 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 86.2 | 1.16 | 1.16 | 1465.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34000 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.96 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 469 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 98.54 | 1 | 1.015 | 2266.35 | 2200 | 02-28-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13718.1 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 19.92 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 472 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4000 | 4150 | Appraisal - 1007 |  |  |  |  | 4000 | Actual In Place Rent | No | 107.73 | 0.92 | 0.928 | 4309.05 | 4000 | 08-31-2028 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45200 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 446.02 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 473 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1025 |  |  |  |  | 2700 | Appraisal - 1025 | No | 75.74 | 1.32 | 1.32 | 2045.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24535.44 |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.91 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XX | Tenant |
| 482 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3838.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41300 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 42.17 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 488 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2950 | Appraisal - 1007 |  |  |  |  | 2950 | Appraisal - 1007 | No | 88.36 | 1.13 | 1.132 | 2606.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37000 |  |  |  | 2950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26.55 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 489 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 7200 | Appraisal - 1007 |  |  |  |  | 7200 | Appraisal - 1007 | No | 88.77 | 1.12 | 1.126 | 6391.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 7200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 490 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 11006.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 125000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 178.88 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 497 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6042.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.88 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 501 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3700 | Appraisal - 1007 |  |  |  |  | 3700 | Appraisal - 1007 | No | 127 | 0.787 | 0.787 | 4699.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2000 |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 34.13 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 510 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 10000 | AirDNA | 12 | 42.70% | 10000 | AirDNA | Yes | 84.6 | 1.17 | 1.182 | 8459.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 99700 |  |  |  | 10000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.98 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 511 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2100 | Appraisal - 1007 |  |  |  |  | 2200 | Actual In Place Rent | No | 95.59 | 1.046 | 1.046 | 2103.03 | 2200 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12600 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 1.9 | 1 | 1 | N/A | 113.4 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 519 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 86.69 | 1.15 | 1.154 | 1387.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 522 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 95.94 | 1.04 | 1.042 | 1631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17550 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 317.66 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 530 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 89.21 | 1.12 | 1.121 | 1695.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 25.83 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 532 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6658.33 | AirDNA | 12 | 69.40% | 6658.33 | AirDNA | Yes | 65.69 | 1.45 | 1.522 | 4374 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57827 |  |  |  | 6658.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 92.44 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 536 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1400 | Appraisal - 1007 |  |  |  |  | 1400 | Appraisal - 1007 | No | 97.29 | 1.02 | 1.028 | 1362.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8172.42 |  |  |  | 1400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 50.4 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 537 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3116.67 | AirDNA | 12 | 62.10% |  | Short Term Rental | Yes | 74.61 | 1.34 | 1.34 | 2163.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12982.02 |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.82 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 540 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1302.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14040 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 33.62 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 541 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3283.33 | AirDNA | 12 | 61.20% | 3283.33 | AirDNA | Yes | 74.08 | 1.34 | 1.35 | 2432.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14593.86 |  |  |  | 3283.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.92 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 545 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4441 | 5400 | Appraisal - 1007 |  |  |  |  | 4441 | Actual In Place Rent | No | 71.64 | 1.39 | 1.396 | 3181.56 | 1950 | 04-24-2026 | 1 | 975 | 04-24-2026 | 1 | 1516 | 04-24-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 85000 |  |  |  | 4441 |  |  |  |  |  |  | No | No | 9.2 | 1 | 1 | N/A | 63.62 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 547 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1750 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 65.57 | 1.52 | 1.525 | 1081.88 | 900 | 02-28-2027 | 12 | 750 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9161.16 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 4.4 | 1 | 1 | N/A | 45.17 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 549 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2235 | Appraisal - 1007 |  |  |  |  | 2235 | Appraisal - 1007 | No | 107.79 | 0.9 | 0.928 | 2409.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38770 |  |  |  | 2235 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 114.31 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 551 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4600 | Appraisal - 1025 |  |  |  |  | 4600 | Appraisal - 1025 | No | 66.81 | 1.5 | 1.497 | 3073.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27600 |  |  |  | 4600 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 40.54 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 553 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2175 | 2200 | Appraisal - 1007 |  |  |  |  | 2175 | Actual In Place Rent | No | 55.11 | 1.81 | 1.815 | 1198.61 | 775 | 09-30-2026 | 12 | 1400 | 01-29-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71600 |  |  |  | 2175 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 7.17 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 562 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 2883.33 | AirDNA | 12 | 55.90% | 2883.33 | AirDNA | Yes | 72.76 | 1.37 | 1.374 | 2098.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62240 |  |  |  | 2883.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 101.72 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 563 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 86.27 | 1.26 | 1.159 | 1639.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19669.08 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.43 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 568 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6431.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 40.67 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 570 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3850 | Appraisal - 1007 |  |  |  |  | 3850 | Appraisal - 1007 | No | 79.26 | 0.7 | 1.262 | 3051.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36617.04 |  |  |  | 3850 |  |  |  |  |  |  |  | No | 20.8 | 1 | 1 | N/A | 16.82 | No |  |  | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 | N/A |  | Vacant |
| 571 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2550 | Appraisal - 1007 |  |  |  |  | 2000 | Actual In Place Rent | No | 102.3 | 0.97 | 0.978 | 2045.99 | 2000 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40460 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0.7 | 2 | 1 | N/A | 394.86 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 577 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6716 | AirDNA | 12 | 52.70% | 6716 | AirDNA | Yes | 63.07 | 1.58 | 1.586 | 4235.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25100 |  |  |  | 6716 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 587.6 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 580 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2222 | 2300 | Appraisal - 1025 |  |  |  |  | 2222 | Actual In Place Rent | No | 83.5 | 1.198 | 1.198 | 1855.39 | 845 | 02-28-2027 | 24 | 1377 | 02-28-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45900 |  |  |  | 2222 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 42.52 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 581 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1025 |  |  |  |  | 3100 | Appraisal - 1025 | No | 73.8 | 1.28 | 1.355 | 2287.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 3100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.29 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 584 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1007 |  |  |  |  | 3600 | Appraisal - 1007 | No | 174.47 | 0.57 | 0.573 | 6281.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 79600 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 51.09 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 589 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4779.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64800 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.01 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 593 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1250 | 1500 | Appraisal - 1007 |  |  |  |  | 1250 | Actual In Place Rent | No | 85.18 | 1.17 | 1.174 | 1064.72 | 1250 | 08-17-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74000 |  |  |  | 1250 |  |  |  |  |  |  | No | No | 3.5 | 1 | 1 | N/A | 26.16 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 596 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1634.65 | 2200 | Appraisal - 1007 |  |  |  |  | 1634.65 | Actual In Place Rent | No | 89.15 | 1.1 | 1.122 | 1457.26 | 1634.65 | 03-04-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 1634.65 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 116.64 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 605 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1450 | 1650 | Appraisal - 1007 |  |  |  |  | 1450 | Actual In Place Rent | No | 97.92 | 1.02 | 1.021 | 1419.79 | 1450 | 04-06-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15117.48 |  | 0 |  | 1450 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 19.23 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 606 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3182 | 3750 | Appraisal - 1025 |  |  |  |  | 3182 | Actual In Place Rent | No | 65.46 | 1.52 | 1.528 | 2082.95 | 1195 | 04-17-2026 | 1 | 1195 | 04-17-2026 | 1 | 792 | 04-17-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47990 |  |  |  | 3182 |  |  |  |  |  |  | No | No | 6 | 1 | 1 | N/A | 34.49 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 614 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1343.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21740 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 4.76 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 616 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4666 | AirDNA | 12 | 66.00% | 4666 | AirDNA | Yes | 74.92 | 1.32 | 1.335 | 3495.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21080.58 |  |  |  | 4666 |  |  |  |  |  |  |  | No | 2 | 2 | 1 | N/A | 31.16 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 617 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3950 | Appraisal - 1025 |  |  |  |  | 3950 | Appraisal - 1025 | No | 85.59 | 1.16 | 1.168 | 3380.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 131200 |  |  |  | 3950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.85 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 618 | XX |  |  | XX | XX | 1YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3153.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 28.38 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 621 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1600 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 93.43 | 1.07 | 1.07 | 1541.66 | 1650 | 04-30-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 94.1 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 623 | XX |  |  | XX | XX | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 7023.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 29.1 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 624 | XX |  |  | XX | XX | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5205.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.54 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 628 | XX |  |  | XX | XX | Retirement Income Doc Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 834.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12300 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 196.61 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 629 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5883.33 | AirDNA | 12 | 52.00% | 5883.33 | AirDNA | Yes | 61.06 | 1.68 | 1.638 | 3592.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 5883.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 181.57 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 636 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2250 | 2375 | Appraisal - 1025 |  |  |  |  | 2250 | Actual In Place Rent | No | 76.11 | 1.31 | 1.314 | 1217.74 | 650 | 04-20-2026 | 1 | 650 | 04-20-2026 | 1 | 950 | 04-20-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7306.44 |  |  |  | 2250 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 107.27 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 653 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 8475 | AirDNA | 12 | 62.60% | 8475 | AirDNA | Yes | 69.67 | 1.43 | 1.435 | 5904.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35462.04 |  |  |  | 8475 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.01 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 656 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3170 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 69.56 | 1.43 | 1.438 | 2086.81 | 3170 | 12-31-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25041.72 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 9.47 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 665 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1750 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 104.85 | 0.88 | 0.954 | 1730.03 | 1650 | 03-24-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27700 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 73.72 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 670 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3150 | Appraisal - 1007 |  |  |  |  | 3150 | Appraisal - 1007 | No | 156.11 | 0.64 | 0.641 | 4917.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 78800 |  |  |  | 3150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.03 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 679 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3700 | Appraisal - 1007 |  |  |  |  | 3700 | Appraisal - 1007 | No | 153 | 0.65 | 0.654 | 5661.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17500 |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.99 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 680 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4150 | Appraisal - 1007 |  |  |  |  | 4150 | Appraisal - 1007 | No | 132.51 | 0.75 | 0.755 | 5499.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32994.54 |  |  |  | 4150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.56 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 681 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1350 | 1600 | Appraisal - 1007 |  |  |  |  | 1350 | Actual In Place Rent | No | 91.94 | 1.07 | 1.088 | 1241.25 | 1350 | 01-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15079.08 |  |  |  | 1350 |  |  |  |  |  |  | No | No | 18.9 | 1 | 1 | N/A | 51.29 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 684 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1000 | Appraisal - 1007 |  |  |  |  | 1000 | Appraisal - 1007 | No | 88.54 | 1.12 | 1.129 | 885.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19700 |  |  |  | 1000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 86.45 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 685 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1362.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32500 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.72 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 692 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1782.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 13.37 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 693 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4000 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 159.41 | 0.62 | 0.627 | 5101.12 | 4000 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30606.72 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 17.42 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 699 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 7782.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1141000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 11.06 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 700 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1525 | Appraisal - 1007 |  |  |  |  | 1525 | Appraisal - 1007 | No | 97.78 | 1.02 | 1.023 | 1491.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6874.08 |  |  |  | 1525 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 53.01 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 701 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5566.67 | AirDNA | 12 | 47.80% | 5566.67 | AirDNA | Yes | 57.18 | 1.74 | 1.749 | 3182.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 5566.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 88.2 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 702 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 87.42 | 1.14 | 1.144 | 2272.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34600 |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 172.13 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Owner |
| 705 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4800 | Appraisal - 1025 |  |  |  |  | 4800 | Appraisal - 1025 | No | 88.04 | 1.08 | 1.136 | 4225.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49100 |  |  |  | 4800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 33.42 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 707 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1007 |  |  |  |  | 3400 | Appraisal - 1007 | No | 129.93 | 0.76 | 0.77 | 4417.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.33 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Owner |
| 709 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 99.32 | 1.01 | 1.007 | 2383.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.08 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 712 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1575 | Appraisal - 1007 |  |  |  |  | 1575 | Appraisal - 1007 | No | 91.05 | 1.09 | 1.098 | 1434.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17209.2 |  |  |  | 1575 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 81.13 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 713 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1350 | 1400 | Appraisal - 1007 |  |  |  |  | 1350 | Actual In Place Rent | No | 91.39 | 1.09 | 1.094 | 1233.71 | 1350 | 03-26-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55200 |  |  |  | 1350 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 16.12 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 714 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 99.47 | 1 | 1.005 | 1790.44 | 2000 | 03-13-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26000 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 121.66 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 715 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 10206.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 175600 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 55.24 | No |  |  | Vested Individual | XX | XX |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 717 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 99.14 | 1 | 1.009 | 2280.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8800 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.61 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 721 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1475 | Appraisal - 1007 |  |  |  |  | 1475 | Appraisal - 1007 | No | 93.53 | 1.06 | 1.069 | 1379.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23300 |  |  |  | 1475 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 125.19 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 727 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 9434.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 131000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 112.46 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 730 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1775 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 98.05 | 1.06 | 1.02 | 1666.82 | 1775 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31176 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 18.7 | 1 | 1 | N/A | 48.8 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 731 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1025 |  |  |  |  | 3500 | Appraisal - 1025 | No | 50.8 | 1 | 1.969 | 1777.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 354.68 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Seller** | **Loan ID** | **Borrower Last Name** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Resolved/Cured Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 87 | XX | XX | XX |  |  | Closed | 2026-XX-03 08:24 | 2026-XX-14 13:32 | 2026-XX-14 13:32 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC clear. Resolved. - Due Diligence Vendor-04/XX/2026 <br> Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. Uploaded new search. Please note the results are the same as just searching the last name. Kindly overturn counter. - Buyer-04/XX/2026 <br> Counter-OFAC incomplete. Please provide OFAC search with borrowers complete name and date of search. - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/XX/2026 <br> Open-OFAC Check Not Completed and/or Cleared - Missing. - Due Diligence Vendor-04/XX/2026 |  | Resolved-OFAC clear. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | NC | Investment | Purchase | NA | 8473125 | N/A | N/A |
| 89 | XX | XX | XX |  |  | Closed | 2026-XX-01 15:01 | 2026-XX-01 15:01 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/XX/2026<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 9007978 | Investor Post-Close | No |
| 93 | XX | XX | XX |  |  | Closed | 2026-XX-30 15:34 | 2026-XX-14 12:14 | 2026-XX-04 08:12 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present in loan file on page 815. condition resolved. - Due Diligence Vendor-05/XX/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/XX/2026 <br> Ready for Review-The Tax Info Sheet was part of the original upload. Please refer to pg 815 of 1350. - Buyer-05/XX/2026 <br> Open-Missing Evidence of Property Tax Tax cert missing in file. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Evidence of Property Tax is present in loan file on page 815. condition resolved. - Due Diligence Vendor-05/XX/2026 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/XX/2026<br>|  |  |  | NY | Investment | Purchase | NA | 8980227 | N/A | N/A |
| 93 | XX | XX | XX |  |  | Closed | 2026-XX-29 09:55 | 2026-XX-04 08:11 | 2026-XX-04 08:11 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-HOI policy was provided with effective date of 04/XX/2026, which matches the Note date. condition resolved - Due Diligence Vendor-05/XX/2026 <br> Resolved-Hazard Insurance Effective Date of 04-XX-2026 is prior to or equal to the Disbursement Date of 04-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/XX/2026 <br> Ready for Review-The Policy was part of the original upload. The policy starts on pg 701 of 1350. - Buyer-05/XX/2026 <br> Open-Hazard Insurance Effective Date of 04-XX-2026 is after the Disbursement Date of 04-XX-2026 Hazard Insurance Effective Date is after the Disbursement Date - Due Diligence Vendor-04/XX/2026 |  | Resolved-HOI policy was provided with effective date of 04/XX/2026, which matches the Note date. condition resolved - Due Diligence Vendor-05/XX/2026 <br> Resolved-Hazard Insurance Effective Date of 04-XX-2026 is prior to or equal to the Disbursement Date of 04-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/XX/2026 |  |  |  | NY | Investment | Purchase | NA | 8948332 | N/A | N/A |
| 133 | XX | XX | XX |  |  | Closed | 2026-XX-01 10:35 | 2026-XX-01 10:35 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance. CDA - Low risk, Property price matches with primary report. - Due Diligence Vendor-05/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance. CDA - Low risk, Property price matches with primary report. - Due Diligence Vendor-05/XX/2026<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 9000569 | Investor Post-Close | No |
| 149 | XX | XX | XX |  |  | Closed | 2026-XX-03 03:01 | 2026-XX-03 03:01 |  | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal report sent to borrower, proof document missing in file. - Due Diligence Vendor-05/XX/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal report sent to borrower, proof document missing in file. - Due Diligence Vendor-05/XX/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 9013757 | Investor Post-Close | No |
| 255 | XX | XX | XX |  |  | Closed | 2026-XX-28 13:18 | 2026-XX-28 13:18 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 8927061 | Originator Post-Close | No |
| 283 | XX | XX | XX |  |  | Closed | 2026-XX-14 13:50 | 2026-XX-22 15:18 | 2026-XX-22 15:18 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good Standing in file is dated 04-XX-2026 and note is dated 04-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached cert of good standing - Buyer-04/XX/2026 <br>Open-Evidence of Good Standing in file is dated 02-XX-2025 and note is dated 04-XX-2026. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 02-XX-2025 and note is dated 04-XX-2026. Document age of 414 days exceeds guideline max of 120 days. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Evidence of Good Standing in file is dated 04-XX-2026 and note is dated 04-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8659559 | N/A | N/A |
| 285 | XX | XX | XX |  |  | Closed | 2026-XX-15 14:30 | 2026-XX-15 14:30 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 8686271 | Investor Post-Close | No |
| 294 | XX | XX | XX |  |  | Closed | 2026-XX-15 10:22 | 2026-XX-16 19:07 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/XX/2026<br>|  |  |  | IN | Primary Residence | Purchase | NA | 8680258 | Originator Post-Close | Yes |
| 300 | XX | XX | XX |  |  | Closed | 2026-XX-19 12:29 | 2026-XX-23 11:20 | 2026-XX-30 15:16 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-Proof of delivery dated 2/XX/ 2026 provided. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. Appraisal delivered on 02-XX-26. - Buyer-03/XX/2026 <br>Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-03/XX/2026 |  | Resolved-Proof of delivery dated 2/XX/ 2026 provided. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/XX/2026<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 8217580 | N/A | N/A |
| 304 | XX | XX | XX |  |  | Closed | 2026-XX-16 09:54 | 2026-XX-24 10:30 | 2026-XX-24 10:30 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xx) | Resolved-Review TRID disclosures and Fee tolerance comparison, made changes, re-ran xx, condition resolved. - Due Diligence Vendor-04/XX/2026 <br> Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br> Open-XX- Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached tolerance comparison, please clarify what fee a COC is needed for. - Buyer-04/XX/2026 <br> Open-XX- Due Diligence Vendor-04/XX/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($31.95) were applied to the total fee variance of ($52.60) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. HOA Questionnaire fees of $31.95 is paid by lender. - Due Diligence Vendor-04/XX/2026 <br> Open-XX- Due Diligence Vendor-04/XX/2026 <br> Open-XX- Due Diligence Vendor-04/XX/2026 <br> Open-XX- Due Diligence Vendor-04/XX/2026 <br> Open-XX- Due Diligence Vendor-04/XX/2026 <br> Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Review TRID disclosures and Fee tolerance comparison, made changes, re-ran xx, condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8706324 | N/A | N/A |
| 304 | XX | XX | XX |  |  | Closed | 2026-XX-16 09:54 | 2026-XX-24 10:29 | 2026-XX-24 10:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xx) | Resolved-Review TRID disclosures and Fee tolerance comparison, made changes, re-ran xx, condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Review TRID disclosures and Fee tolerance comparison, made changes, re-ran xx, condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached tolerance comparison, please clarify what fee a COC is needed for. - Investor-04/XX/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($31.95) were applied to the total fee variance of ($52.60) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. HOA Questionnaire fees of $31.95 is paid by lender. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Review TRID disclosures and Fee tolerance comparison, made changes, re-ran xx, condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Review TRID disclosures and Fee tolerance comparison, made changes, re-ran xx, condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8706323 | N/A | N/A |
| 306 | XX | XX | XX |  |  | Closed | 2026-XX-08 16:03 | 2026-XX-23 13:38 | 2026-XX-14 13:40 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-Proof of timely delivery provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. appraisal delivery attached - Buyer-04/XX/2026 <br>Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely Borrower signed waiver of 3-day delivery on 03/XX/2026 and valuation of appraisal done on 03/XX/2026. Hence borrower received appraisal on 03/XX/2026. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Proof of timely delivery provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | MA | Primary Residence | Purchase | NA | 8557904 | N/A | N/A |
| 313 | XX | XX | XX |  |  | Closed | 2026-XX-20 11:41 | 2026-XX-14 09:30 | 2026-XX-24 13:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-The business purpose form is not required when the business purpose box on the 1003 > property & borrower screen is not checked. The box was not checked on this loan and the disclosure will not be included in the disclosures package when the box is not checked. - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 8773473 | N/A | N/A |
| 313 | XX | XX | XX |  |  | Closed | 2026-XX-15 14:13 | 2026-XX-15 14:13 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 8685995 | Originator Post-Close | No |
| 327 | XX | XX | XX |  |  | Closed | 2026-XX-01 13:05 | 2026-XX-01 13:05 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 8435150 | Investor Post-Close | No |
| 328 | XX | XX | XX |  |  | Closed | 2026-XX-19 12:46 | 2026-XX-30 11:37 | 2026-XX-30 11:37 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Credit report received. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. cbr for both borrowers - Buyer-03/XX/2026 <br>Open-Borrower 2 Credit Report is Missing. Credit report Missing - Due Diligence Vendor-03/XX/2026 |  | Resolved-Credit report received. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-03/XX/2026<br>| XX |  |  | VA | Second Home | Purchase | NA | 8218257 | N/A | N/A |
| 328 | XX | XX | XX |  |  | Closed | 2026-XX-19 12:46 | 2026-XX-30 11:36 | 2026-XX-30 11:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report received. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. CBR for both borrowers - Buyer-03/XX/2026 <br>Open-Borrower 1 Credit Report is Missing. Credit report Missing - Due Diligence Vendor-03/XX/2026 |  | Resolved-Credit report received. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/XX/2026<br>| XX |  |  | VA | Second Home | Purchase | NA | 8218256 | N/A | N/A |
| 333 | XX | XX | XX |  |  | Closed | 2026-XX-09 17:24 | 2026-XX-14 07:57 | 2026-XX-14 07:57 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Verification of mortgage payments received - Due Diligence Vendor-05/XX/2026 <br> Resolved-XX- Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached mortgage statement showing sept and oct 2025 payments are paid. - Buyer-04/XX/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of the Sept and Oct 2025 mortgage payments for property located on XXX. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Verification of mortgage payments received - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | OH | Investment | Purchase | NA | 8585610 | N/A | N/A |
| 333 | XX | XX | XX |  |  | Closed | 2026-XX-09 16:53 | 2026-XX-14 07:56 | 2026-XX-14 07:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-BPA received - Due Diligence Vendor-05/XX/2026 <br>Resolved-XX- Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose affidavit. - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-BPA received - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | OH | Investment | Purchase | NA | 8585315 | N/A | N/A |
| 354 | XX | XX | XX |  |  | Closed | 2026-XX-16 19:07 | 2026-XX-14 07:58 | 2026-XX-14 07:58 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Documentation received - Due Diligence Vendor-05/XX/2026 <br>Resolved-XX- Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. gift doc - Buyer-04/XX/2026 <br>Open-Gift Documentation Incomplete. Audit identified a deposit appearing to be the $291,000 gift; however, the sourcing of these funds was not adequately verified. To comply with guidelines, the file must include proof of the transfer from the donor's account, such as a canceled check, a withdrawal receipt, or a wire/electronic transfer confirmation. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Documentation received - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | UT | Investment | Purchase | NA | 8718983 | N/A | N/A |
| 354 | XX | XX | XX |  |  | Closed | 2026-XX-16 17:50 | 2026-XX-23 09:31 | 2026-XX-23 09:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate.<br> - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | UT | Investment | Purchase | NA | 8718490 | N/A | N/A |
| 355 | XX | XX | XX |  |  | Closed | 2026-XX-25 10:10 | 2026-XX-03 13:18 | 2026-XX-03 13:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached list of coverages. - Buyer-04/XX/2026 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-03/XX/2026 |  | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8312511 | N/A | N/A |
| 359 | XX | XX | XX |  |  | Closed | 2026-XX-21 09:49 | 2026-XX-21 09:49 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | TX | Investment | Purchase | NA | 8795853 | Investor Post-Close | No |
| 361 | XX | XX | XX |  |  | Closed | 2026-XX-29 06:48 | 2026-XX-29 06:48 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8943049 | Investor Post-Close | No |
| 363 | XX | XX | XX |  |  | Closed | 2026-XX-19 10:33 | 2026-XX-30 16:39 | 2026-XX-30 16:39 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-Proof of delivery dated 2/XX/26 received. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Delivery of Appraisal/Valuation to the borrower withing 3 days of closing - Buyer-03/XX/2026 <br>Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely appraisal pg 143 - Due Diligence Vendor-03/XX/2026 |  | Resolved-Proof of delivery dated 2/XX/26 received. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/XX/2026<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 8212660 | N/A | N/A |
| 363 | XX | XX | XX |  |  | Closed | 2026-XX-19 03:33 | 2026-XX-24 20:17 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-03/XX/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-03/XX/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 8204420 | Investor Post-Close | No |
| 379 | XX | XX | XX |  |  | Closed | 2026-XX-06 08:34 | 2026-XX-15 10:02 | 2026-XX-15 09:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xx) | Resolved-Resolved- Lender credit decrease due to rate lock. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Lender credit was updated when loan was locked with attached LE. - Buyer-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($4,990.00). The actual total fee amount shows a credit amount of ($2,680.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC is not provided for lender credit decrease on 03/XX/2026 - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Resolved- Lender credit decrease due to rate lock. Condition resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 8497998 | N/A | N/A |
| 379 | XX | XX | XX |  |  | Closed | 2026-XX-06 08:34 | 2026-XX-15 10:02 | 2026-XX-15 09:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xx) | Resolved-Resolved- Lender credit decrease due to rate lock. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Lender credit was updated when loan was locked with attached LE. - Buyer-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($4,990.00). The Last CD shows a total lender credit amount of ($2,680.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC is not provided for lender credit decrease in 03/XX/2026. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Resolved- Lender credit decrease due to rate lock. Condition resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 8497997 | N/A | N/A |
| 383 | XX | XX | XX |  |  | Closed | 2026-XX-17 06:34 | 2026-XX-23 13:32 | 2026-XX-23 13:32 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xx) | Resolved-Lender provided the COC for the change. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Finding invalid. A lender credit (YSP) of $752.59 was disclosed on the locked Loan Estimate dated 3/XX/2026. Due to disclosure rounding requirements, the lender credit was subsequently disclosed as $753.00. The resulting $0.41 decrease in lender credit between the locked Loan Estimate and the final Closing Disclosure does not constitute a tolerance violation and is not required to be cured. The only fee variance on the loan was an increase of $17.89 to the Credit Report fee, which was properly cured at consummation. - Investor-04/XX/2026 <br>Open-A Lender Credit for Excess Charges of ($17.89), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($18.30) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Insufficient reimbursement. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided the COC for the change. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 8730789 | N/A | N/A |
| 383 | XX | XX | XX |  |  | Closed | 2026-XX-17 06:34 | 2026-XX-23 13:32 | 2026-XX-23 13:32 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xx) | Resolved-Lender provided the COC for the change. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Finding invalid. A lender credit (YSP) of $752.59 was disclosed on the locked Loan Estimate dated 3/XX/2026. Due to disclosure rounding requirements, the lender credit was subsequently disclosed as $753.00. The resulting $0.41 decrease in lender credit between the locked Loan Estimate and the final Closing Disclosure does not constitute a tolerance violation and is not required to be cured. The only fee variance on the loan was an increase of $17.89 to the Credit Report fee, which was properly cured at consummation. - Buyer-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-A Lender Credit for Excess Charges of ($17.89), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($18.30) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided the COC for the change. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 8730788 | N/A | N/A |
| 386 | XX | XX | XX |  |  | Closed | 2026-XX-17 16:50 | 2026-XX-27 18:24 | 2026-XX-27 18:24 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.89 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Reserves not required. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Reserves are not required: RT Refinance < $1.5m, Primary, subject property payment decreasing and no major derogatory events. See guidelines. - Buyer-04/XX/2026 <br>Open-Audited Reserves of 2.89 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/XX/2026 |  | Resolved-Audited Reserves of 2.89 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8748039 | N/A | N/A |
| 386 | XX | XX | XX |  |  | Closed | 2026-XX-17 16:45 | 2026-XX-27 18:23 | 2026-XX-27 18:23 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Reserves not required. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $23462.69 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Reserves are not required - Buyer-04/XX/2026 <br>Open-Total Qualified Assets for Reserves Post-Close of $23462.69 is less than Total Required Reserve Amount of $48696.78 Total Qualified Assets for Reserves Post-Close $21,822.68 is less than Total Required Reserve Amount $48,696.78 - Due Diligence Vendor-04/XX/2026 |  | Resolved-Reserves not required. Resolved. - Due Diligence Vendor-04/XX/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $23462.69 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-04/XX/2026 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8748010 | N/A | N/A |
| 386 | XX | XX | XX |  |  | Closed | 2026-XX-16 14:54 | 2026-XX-17 16:50 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8715229 | Originator Post-Close | No |
| 388 | XX | XX | XX |  |  | Closed | 2026-XX-17 06:59 | 2026-XX-17 06:59 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | 8731493 | Originator Post-Close | Yes |
| 400 | XX | XX | XX |  |  | Closed | 2026-XX-14 13:54 | 2026-XX-15 15:33 | 2026-XX-15 15:33 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-NY Sec of State results provided does not print date of LLC search. Confirmed with independent search on 4/XX/2026 the LLC is active. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Evidence of Good Standing in file is dated 12-XX-2025 and note is dated 03-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. cogs - Buyer-04/XX/2026 <br>Open-Evidence of Good Standing in file is dated 12-XX-2025 and note is dated 03-XX-2026. Document age of days exceeds guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-NY Sec of State results provided does not print date of LLC search. Confirmed with independent search on 4/XX/2026 the LLC is active. - Due Diligence Vendor-04/XX/2026 <br> Resolved-Evidence of Good Standing in file is dated 12-XX-2025 and note is dated 03-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-04/XX/2026 | XX |  |  | NY | Investment | Purchase | NA | 8659669 | N/A | N/A |
| 402 | XX | XX | XX |  |  | Closed | 2026-XX-29 13:32 | 2026-XX-29 13:32 |  | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements 1x30x12. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-04/XX/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements 1x30x12. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-04/XX/2026<br>|  |  | Credit shows no lates to mortgage in the last 48 months, DSCR is 1.28 vs min 1.0, Borrower has 64,200 in reserves vs required $34,200, LOE and payment history in file under conditions for review. | SC | Investment | Purchase | NA | 8955925 | Originator Pre-Close | Yes |
| 406 | XX | XX | XX |  |  | Closed | 2026-XX-15 06:18 | 2026-XX-23 09:47 | 2026-XX-23 09:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Sole owner per EIN - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached EIN letter showing borrower is sole member. - Seller-04/XX/2026 <br>Open-The loan file is missing an operating agreement or other documentation to verify ownership. The loan file is missing an operating agreement or other documentation to verify ownership - Due Diligence Vendor-04/XX/2026 | Ready for Review-Document Uploaded. Please see attached EIN letter showing borrower is sole member. - Seller-04/XX/2026<br>| Resolved-Sole owner per EIN - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | WA | Investment | Refinance | Cash Out - Other | 8672219 | N/A | N/A |
| 406 | XX | XX | XX |  |  | Closed | 2026-XX-14 15:10 | 2026-XX-23 09:46 | 2026-XX-23 09:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached secretary of state showing business is in good standing. - Investor-04/XX/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | WA | Investment | Refinance | Cash Out - Other | 8661086 | N/A | N/A |
| 406 | XX | XX | XX |  |  | Closed | 2026-XX-15 06:22 | 2026-XX-23 09:46 | 2026-XX-23 09:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate.<br> - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | WA | Investment | Refinance | Cash Out - Other | 8672296 | N/A | N/A |
| 413 | XX | XX | XX |  |  | Closed | 2026-XX-16 15:13 | 2026-XX-21 15:06 | 2026-XX-21 15:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Letter of Explanation (Address Discrepancy) | Resolved-Reviewed lenders comments. DL issues in 2020. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-The borrower previously resided in the subject. As of 11/2025, the borrower purchased a new primary residence. The DRIVE report supports the recent acquisition of the new primary, MERS was recorded as a primary residence. HOI on the subject is for a long term rental property, and appraisal was completed as tenant occupied. - Buyer-04/XX/2026 <br>Open-Missing letter of explanation regarding the borrower's residency. Specifically, the borrower's driver's license matches the subject property address, despite the loan being submitted as non-owner occupied. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Reviewed lenders comments. DL issues in 2020. Resolved. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NY | Investment | Refinance | Cash Out - Other | 8715785 | N/A | N/A |
| 420 | XX | XX | XX |  |  | Closed | 2026-XX-28 14:31 | 2026-XX-28 14:31 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 8929307 | Investor Post-Close | No |
| 420 | XX | XX | XX |  |  | Closed | 2026-XX-28 13:38 | 2026-XX-28 13:38 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete AfBA Disclosure is missing - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete AfBA Disclosure is missing - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 8927571 | Investor Post-Close | No |
| 423 | XX | XX | XX |  |  | Closed | 2026-XX-15 09:52 | 2026-XX-15 09:52 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8678709 | Investor Post-Close | No |
| 426 | XX | XX | XX |  |  | Closed | 2026-XX-08 05:11 | 2026-XX-14 08:09 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 8543344 | Investor Post-Close | No |
| 427 | XX | XX | XX |  |  | Closed | 2026-XX-16 10:25 | 2026-XX-23 15:20 | 2026-XX-23 15:20 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Lender provided initial disclosures with receipt, which included What Mortgage Applicants Need to Know Pamphlet. condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-04/XX/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. What Mortgage Applicants Need to Know" Pamphlet missing in file - Due Diligence Vendor-04/XX/2026 |  | Resolved-Disclosure provided. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Lender provided initial disclosures with receipt, which included What Mortgage Applicants Need to Know Pamphlet. condition resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8707579 | N/A | N/A |
| 427 | XX | XX | XX |  |  | Closed | 2026-XX-16 09:20 | 2026-XX-23 15:19 | 2026-XX-23 15:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-Lender provided fully executed The Deed of Trust. condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached mortgage. - Buyer-04/XX/2026 <br>Open-The Deed of Trust is Missing Mortgage/Deed of Trust missing in file - Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided fully executed The Deed of Trust. condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8705445 | N/A | N/A |
| 427 | XX | XX | XX |  |  | Closed | 2026-XX-16 12:18 | 2026-XX-16 12:18 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8711076 | Investor Post-Close | No |
| 436 | XX | XX | XX |  |  | Closed | 2026-XX-24 16:43 | 2026-XX-30 17:28 | 2026-XX-30 17:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Certificate of Organization received. Resolved. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached certificate of organization. - Buyer-03/XX/2026 <br>Counter-Received EIN document confirming borrower is 100% owner; however, the loan file is missing the business formation document filed with the applicable State as required by guidelines. Finding remains - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/XX/2026 <br>Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-03/XX/2026 |  | Resolved-Certificate of Organization received. Resolved. - Due Diligence Vendor-03/XX/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8301655 | N/A | N/A |
| 436 | XX | XX | XX |  |  | Closed | 2026-XX-24 15:00 | 2026-XX-30 17:25 | 2026-XX-28 11:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/XX/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-03/XX/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/XX/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8298703 | N/A | N/A |
| 438 | XX | XX | XX |  |  | Closed | 2026-XX-28 15:54 | 2026-XX-04 17:40 | 2026-XX-04 17:40 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Thank you for providing the appraisal. Resolved. - Due Diligence Vendor-05/XX/2026 <br>Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-05/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached appraisal and CDA. - Buyer-05/XX/2026 <br>Open-Appraisal or other primary valuation product is missing Appraisal in file is for a different property. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Thank you for providing the appraisal. Resolved. - Due Diligence Vendor-05/XX/2026 <br>Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | IL | Investment | Refinance | Cash Out - Other | 8931619 | N/A | N/A |
| 438 | XX | XX | XX |  |  | Closed | 2026-XX-29 08:13 | 2026-XX-04 17:40 | 2026-XX-04 17:40 | Resolved | 1 - Information | Credit | Eligibility | Appraised Value is less than guideline minimum | Resolved-Thank you for providing the appraisal. Resolved. - Due Diligence Vendor-05/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached appraisal and CDA. - Buyer-05/XX/2026 <br>Open-Audited Qualifying Appraised Value of $ is less than the Guideline Minimum Appraised Value of $0. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Thank you for providing the appraisal. Resolved. - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | IL | Investment | Refinance | Cash Out - Other | 8944599 | N/A | N/A |
| 438 | XX | XX | XX |  |  | Closed | 2026-XX-29 08:13 | 2026-XX-30 16:39 |  | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 674 is less than Guideline FICO of 680 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-04/XX/2026 |  | Waived-Audited FICO of 674 is less than Guideline FICO of 680 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-04/XX/2026<br>|  |  | 0x30 for mortgage that was open for 19 years (this was only reporting mortgage paid off 7/2025) /dscr 1.22 vs 1.0 guideline, addition mortgages not on credit first loan set up 10/25 0x30 and second loan set up 2/2026 0x30, experienced investor managing rentals since 2007. Credit repull prior one was 701 and new one 674 solely due to increase in utilization, no derogatories. | IL | Investment | Refinance | Cash Out - Other | 8944600 | Originator Pre-Close | Yes |
| 439 | XX | XX | XX |  |  | Closed | 2026-XX-03 13:19 | 2026-XX-13 14:35 | 2026-XX-13 14:35 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xx) | Resolved-COC for rate extension added. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see the attached fee tolerance comparison. Please verify what COCs are needed. - Investor-04/XX/2026 <br>Counter-XX- Due Diligence Vendor-04/XX/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($162.75) were applied to the total fee variance of ($1,035.27) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The total lender credit that decreased $5062.17 without a valid COC. The rate lock and pricing info in file provide a COC for the increased Origination fee but the docs do not address the decreased Lender credit. UTD if the decreased credit is in conjunction with the rate lock/pricing change. If a valid COC cannot be provided, a tolerance cure of $5062.17 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Please provide clarification regarding what COC you are missing. - Buyer-04/XX/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($162.75) were applied to the total fee variance of ($1,198.02) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit was decrease however COC is not provided. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-COC for rate extension added. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CO | Primary Residence | Purchase | NA | 8480224 | N/A | N/A |
| 439 | XX | XX | XX |  |  | Closed | 2026-XX-03 13:19 | 2026-XX-13 14:35 | 2026-XX-13 14:35 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xx) | Resolved-COC for rate extension added. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see the attached fee tolerance comparison. Please verify what COCs are needed. - Buyer-04/XX/2026 <br>Counter-XX- Due Diligence Vendor-04/XX/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($162.75) were applied to the total fee variance of ($1,035.27) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The total lender credit that decreased $5062.17 without a valid COC. The rate lock and pricing info in file provide a COC for the increased Origination fee but the docs do not address the decreased Lender credit. UTD if the decreased credit is in conjunction with the rate lock/pricing change. If a valid COC cannot be provided, a tolerance cure of $5062.17 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Please provide clarification regarding what COC you are missing. - Buyer-04/XX/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($162.75) were applied to the total fee variance of ($1,198.02) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit was decrease however COC is not provided. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-COC for rate extension added. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CO | Primary Residence | Purchase | NA | 8480223 | N/A | N/A |
| 439 | XX | XX | XX |  |  | Closed | 2026-XX-03 13:52 | 2026-XX-03 13:52 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CO | Primary Residence | Purchase | NA | 8481079 | Investor Post-Close | No |
| 446 | XX | XX | XX |  |  | Closed | 2026-XX-10 07:56 | 2026-XX-10 07:56 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | VA | Primary Residence | Purchase | NA | 8592664 | Investor Post-Close | No |
| 449 | XX | XX | XX |  |  | Closed | 2026-XX-24 07:19 | 2026-XX-28 14:50 | 2026-XX-28 14:50 | Resolved | 1 - Information | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Thank you for providing the FACTA Identity Verification form. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. facta - Buyer-04/XX/2026 <br>Open-Evidence lender contracted borrower to verify they applied for subject loan could not be located. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Thank you for providing the FACTA Identity Verification form. Resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | PA | Investment | Purchase | NA | 8862270 | N/A | N/A |
| 450 | XX | XX | XX |  |  | Closed | 2026-XX-28 09:25 | 2026-XX-28 09:25 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | MI | Investment | Purchase | NA | 8918630 | Investor Post-Close | No |
| 465 | XX | XX | XX |  |  | Closed | 2026-XX-02 07:39 | 2026-XX-02 07:39 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 8449835 | Investor Post-Close | No |
| 471 | XX | XX | XX |  |  | Closed | 2026-XX-16 16:52 | 2026-XX-16 16:52 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NM | Primary Residence | Purchase | NA | 8717877 | Investor Post-Close | No |
| 474 | XX | XX | XX |  |  | Closed | 2026-XX-30 12:20 | 2026-XX-30 12:20 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | HI | Primary Residence | Purchase | NA | 8975023 | Investor Post-Close | No |
| 480 | XX | XX | XX |  |  | Closed | 2026-XX-15 12:15 | 2026-XX-04 07:21 | 2026-XX-04 07:21 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Review Final CD with Compliance Ease, made change, re-ran xx, Condition resolved. - Due Diligence Vendor-05/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/XX/2026 <br>Ready for Review-Can you please provide some clarification on the fee you are referring to? The compliance ease does not have any fails. - Buyer-05/XX/2026 <br>Open-The disclosed Total of Payments ($594,129.23) is understated by more than $35 when compared to the actual Total of Payments of ($594,179.23). The difference is ($50.00). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) .The disclosed Total of Payments ($594,129.23) is understated by more than $35 when compared to the actual Total of Payments of ($594,179.23). The difference is ($50.00). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Review Final CD with Compliance Ease, made change, re-ran xx, Condition resolved. - Due Diligence Vendor-05/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/XX/2026<br>|  |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 8683127 | N/A | N/A |
| 482 | XX | XX | XX |  |  | Closed | 2026-XX-01 13:38 | 2026-XX-09 12:14 | 2026-XX-09 12:14 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-CD evidencing PITIA provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. CD from XXX - Buyer-04/XX/2026 <br> Open-Required supporting document for Net loss for below property <br> \* XXX $-3000 - Due Diligence Vendor-04/XX/2026 |  | Resolved-CD evidencing PITIA provided. Resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CA | Investment | Purchase | NA | 8436092 | N/A | N/A |
| 483 | XX | XX | XX |  |  | Closed | 2026-XX-02 07:31 | 2026-XX-16 19:11 | 2026-XX-16 19:11 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-XX-Spouse buyout not considered cash out. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-this is not an TX50A6 loan. - Buyer-04/XX/2026 <br>Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. Acknowledgment of Fair Market Value disclosure is missing - Due Diligence Vendor-04/XX/2026 |  | Resolved-XX-Spouse buyout not considered cash out. Resolved. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8449656 | N/A | N/A |
| 487 | XX | XX | XX |  |  | Closed | 2026-XX-20 07:11 | 2026-XX-24 08:02 | 2026-XX-03 17:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (xx) | Resolved-Document - COC and CD received for Discount points - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached COC / CD for discount points. - Buyer-04/XX/2026 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC is not provided for discount points on final CD. - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 |  | Resolved-Document - COC and CD received for Discount points - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 8233461 | N/A | N/A |
| 487 | XX | XX | XX |  |  | Closed | 2026-XX-20 07:11 | 2026-XX-03 17:09 | 2026-XX-03 17:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xx) | Resolved-Received COC for increased Discount Fee. Resolved. <br> - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Please see attached CD/COC. - Buyer-04/XX/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is not provided for discount points on CD. - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 |  | Resolved-Received COC for increased Discount Fee. Resolved. <br> - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 8233462 | N/A | N/A |
| 492 | XX | XX | XX |  |  | Closed | 2026-XX-21 09:57 | 2026-XX-21 09:57 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 8796033 | Investor Post-Close | No |
| 500 | XX | XX | XX |  |  | Closed | 2026-XX-03 07:14 | 2026-XX-15 10:46 | 2026-XX-15 10:46 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Loan Estimate disclosure dated 03/XX/2026 received. Condition cleared. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached 03-06 LE. - Buyer-04/XX/2026 <br>Open-Loan Estimate disclosure is missing or incomplete Loan Estimate page#525-526 showing only two-page document 1st page of that LE is missing. However, changes on COC page#86 dated 03/XX/2026 matches with that LE so considered that LE issued on 03/XX/2026. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Loan Estimate disclosure dated 03/XX/2026 received. Condition cleared. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CO | Primary Residence | Purchase | NA | 8472076 | N/A | N/A |
| 500 | XX | XX | XX |  |  | Closed | 2026-XX-14 13:00 | 2026-XX-14 13:00 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CO | Primary Residence | Purchase | NA | 8658547 | Investor Post-Close | No |
| 506 | XX | XX | XX |  |  | Closed | 2026-XX-14 20:13 | 2026-XX-06 22:10 | 2026-XX-03 15:21 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (xx) | Cured-Cured via Principal Reduction. B Grade applies. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Seller-03/XX/2026 <br>Counter- Initial LE in file dated 01/XX/2026 issued prior to rate lock. LE does not reflect CDA fee. Recording fee disclosed as $146. Condition remains. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Finding is invalid. CDA fee was disclosed on initial LE in amount of $120 and recording fees were disclosed as $179. - Investor-03/XX/2026 <br>Open-The total amount of the 10% category fees on the last Closing Disclosure ($166.00) has increased by more than 10% over the current baseline value of ($146.00). The total amount of fees in the 10% category cannot exceed ($160.60). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Valid COC missing in file. Appraisal desk review fee increased in revised LE and recoding fee increased in final CD.<br> - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 | Ready for Review-Document Uploaded. Please see attached cure package. - Seller-03/XX/2026<br>| Cured-Cured via Principal Reduction. B Grade applies. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TN | Primary Residence | Purchase | NA | 8112758 | N/A | N/A |
| 506 | XX | XX | XX |  |  | Closed | 2026-XX-14 20:13 | 2026-XX-06 22:09 | 2026-XX-03 15:22 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (xx) | Cured-Cured via Principal Reduction. B Grade applies. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Seller-03/XX/2026 <br>Counter- Initial LE in file dated 01/XX/2026 issued prior to rate lock. LE does not reflect CDA fee. Recording fee disclosed as $146. Condition remains. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Finding is invalid. CDA fee was disclosed on initial LE (attached) in amount of $120 and recording fees were disclosed as $179. - Investor-03/XX/2026 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Valid COC missing in file. Appraisal desk review fee increased in revised LE and recoding fee increased in final CD.<br> - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 | Ready for Review-Document Uploaded. Please see attached cure package. - Seller-03/XX/2026<br>| Cured-Cured via Principal Reduction. B Grade applies. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TN | Primary Residence | Purchase | NA | 8112760 | N/A | N/A |
| 506 | XX | XX | XX |  |  | Closed | 2026-XX-14 20:13 | 2026-XX-06 22:09 | 2026-XX-06 22:09 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xx) | Cured-XX- Due Diligence Vendor-04/XX/2026 <br>Resolved-XX- Due Diligence Vendor-04/XX/2026 <br>Cured-Cured via Principal Reduction. B Grade applies. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Investor-03/XX/2026 <br>Counter- Initial LE in file dated 01/XX/2026 issued prior to rate lock. LE does not reflect CDA fee. Recording fee disclosed as $146. Condition remains. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Finding is invalid. CDA fee was disclosed on initial LE (attached) in amount of $120 and recording fees were disclosed as $179. - Seller-03/XX/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Valid COC missing in file. Appraisal desk review fee increased in revised LE and recoding fee increased in final CD.<br> - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 | Ready for Review-Document Uploaded. Finding is invalid. CDA fee was disclosed on initial LE (attached) in amount of $120 and recording fees were disclosed as $179. - Seller-03/XX/2026<br>| Cured-Cured via Principal Reduction. B Grade applies. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TN | Primary Residence | Purchase | NA | 8112761 | N/A | N/A |
| 506 | XX | XX | XX |  |  | Closed | 2026-XX-14 20:13 | 2026-XX-03 15:19 | 2026-XX-03 15:19 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (xx) | Cured-Cured via Principal Reduction. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-03/XX/2026 <br>Counter- Initial LE in file dated 01/XX/2026 issued prior to rate lock. LE does not reflect CDA fee. Recording fee disclosed as $146. Condition remains. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Finding is invalid. CDA fee was disclosed on initial LE (attached) in amount of $120 and recording fees were disclosed as $179. - Buyer-03/XX/2026 <br>Open-The total amount of the 10% category fees ($166.00) has increased by more than 10% over the current baseline value of ($146.00). The total amount of fees in the 10% category cannot exceed ($160.60). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Valid COC missing in file. Appraisal desk review fee increased in revised LE and recoding fee increased in final CD.<br> - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 |  | Cured-Cured via Principal Reduction. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TN | Primary Residence | Purchase | NA | 8112759 | N/A | N/A |
| 506 | XX | XX | XX |  |  | Closed | 2026-XX-09 09:05 | 2026-XX-16 16:21 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged. Valuation reports are within tolerance. - Due Diligence Vendor-03/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged. Valuation reports are within tolerance. - Due Diligence Vendor-03/XX/2026<br>|  |  |  | TN | Primary Residence | Purchase | NA | 7995646 | Investor Post-Close | No |
| 532 | XX | XX | XX |  |  | Closed | 2026-XX-31 15:10 | 2026-XX-08 11:39 | 2026-XX-08 11:39 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Sufficient assets provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Audited Reserves of 92.44 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached final CDs. - Buyer-04/XX/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s). Cash to close is coming from a simultaneous refinance. There are 2 loans in process on the URLA. Lender to provide final CD for all new loans and verify cash to close came from those refinances. - Due Diligence Vendor-03/XX/2026 |  | Resolved-Sufficient assets provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Audited Reserves of 92.44 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8413608 | N/A | N/A |
| 532 | XX | XX | XX |  |  | Closed | 2026-XX-31 14:55 | 2026-XX-08 11:38 | 2026-XX-08 11:38 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient assets provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached final CDs. - Seller-04/XX/2026 <br>Open-Insufficient asset documentation in file - assets do not cover closing costs. Cash to close is coming from a simultaneous refinance. There are 2 loans in process on the URLA. Lender to provide final CD for all new loans and verify cash to close came from those refinances. - Due Diligence Vendor-03/XX/2026 | Ready for Review-Document Uploaded. Please see attached final CDs. - Seller-04/XX/2026<br>| Resolved-Sufficient assets provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8413374 | N/A | N/A |
| 532 | XX | XX | XX |  |  | Closed | 2026-XX-31 14:55 | 2026-XX-08 11:38 | 2026-XX-08 11:38 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Sufficient assets provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $404311.4 is equal to or greater than Total Required Reserve Amount of $26244 - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached final CDs. - Investor-04/XX/2026 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $26244 Total Qualified Assets is less than Total Required Reserve Amount of $26,244. Cash to close is coming from a simultaneous refinance. There are 2 loans in process on the URLA. Lender to provide final CD for all new loans and verify cash to close came from those refinances. - Due Diligence Vendor-03/XX/2026 |  | Resolved-Sufficient assets provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $404311.4 is equal to or greater than Total Required Reserve Amount of $26244 - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8413373 | N/A | N/A |
| 547 | XX | XX | XX |  |  | Closed | 2026-XX-31 14:24 | 2026-XX-09 12:21 | 2026-XX-09 12:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Certificate of Existence received. It verifies all the required information a Cert of Good Standing does, but has a different name in this State. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. cert of existance - Buyer-04/XX/2026 <br>Counter-Document uploaded is not a Certificate of Good Standing. Provide a Certificate of Good Standing for the borrowers business on title vesting. Not resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. good standings - Buyer-04/XX/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-03/XX/2026 |  | Resolved-Certificate of Existence received. It verifies all the required information a Cert of Good Standing does, but has a different name in this State. Resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | IA | Investment | Refinance | Cash Out - Other | 8412822 | N/A | N/A |
| 551 | XX | XX | XX |  |  | Closed | 2026-XX-21 16:07 | 2026-XX-14 07:59 | 2026-XX-14 07:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Documents received - Due Diligence Vendor-05/XX/2026 <br>Resolved-XX- Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached operating agreement. - Buyer-04/XX/2026 <br>Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Documents received - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 8805083 | N/A | N/A |
| 551 | XX | XX | XX |  |  | Closed | 2026-XX-21 06:33 | 2026-XX-23 10:00 | 2026-XX-23 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached evidence of good standing - Buyer-04/XX/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 8791132 | N/A | N/A |
| 551 | XX | XX | XX |  |  | Closed | 2026-XX-21 06:33 | 2026-XX-23 10:00 | 2026-XX-23 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached EIN letter. - Seller-04/XX/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-04/XX/2026 | Ready for Review-Document Uploaded. Please see attached EIN letter. - Seller-04/XX/2026<br>| Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 8791133 | N/A | N/A |
| 557 | XX | XX | XX |  |  | Closed | 2026-XX-16 00:41 | 2026-XX-24 09:00 | 2026-XX-24 09:00 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided disclosure tracker to show e-consent was accepted by the borrower. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-XX-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached econsent. - Investor-04/XX/2026 <br>Open-XX-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided disclosure tracker to show e-consent was accepted by the borrower. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-XX-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 8695858 | N/A | N/A |
| 557 | XX | XX | XX |  |  | Closed | 2026-XX-16 12:35 | 2026-XX-24 09:00 | 2026-XX-24 09:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial CD esign and dated by the borrower. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Rescinded-XX- Due Diligence Vendor-04/XX/2026 <br>Rescinded-The Initial Closing Disclosure Received Date of (2026-XX-30) is not three business days before the consummation date of (2026-XX-30). Three business days before the consummation date is (20260326). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD missing in file - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided Initial CD esign and dated by the borrower. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Rescinded-The Initial Closing Disclosure Received Date of (2026-XX-30) is not three business days before the consummation date of (2026-XX-30). Three business days before the consummation date is (20260326). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD missing in file - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 8711569 | N/A | N/A |
| 557 | XX | XX | XX |  |  | Closed | 2026-XX-17 14:19 | 2026-XX-24 08:59 | 2026-XX-24 08:59 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided Initial CD esign and dated by the borrower. Condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached ICD. - Buyer-04/XX/2026 <br>Open-Initial CD missing in file - Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided Initial CD esign and dated by the borrower. Condition resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 8744103 | N/A | N/A |
| 558 | XX | XX | XX |  |  | Closed | 2026-XX-29 14:27 | 2026-XX-29 14:27 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8957566 | Investor Post-Close | No |
| 563 | XX | XX | XX |  |  | Closed | 2026-XX-31 15:41 | 2026-XX-08 13:09 | 2026-XX-08 13:09 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Signed Final CD received. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached signed final CD. - Buyer-04/XX/2026 <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. Closing Disclosure in file Not Signed . - Due Diligence Vendor-03/XX/2026 |  | Resolved-Signed Final CD received. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | OH | Investment | Purchase | NA | 8413996 | N/A | N/A |
| 576 | XX | XX | XX |  |  | Closed | 2026-XX-16 04:04 | 2026-XX-16 04:04 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Acknowledged-RESPA: IEADS Required - Missing - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-RESPA: IEADS Required - Missing - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 8697803 | Investor Post-Close | No |
| 578 | XX | XX | XX |  |  | Closed | 2026-XX-15 07:58 | 2026-XX-29 15:25 | 2026-XX-29 15:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Thank you for providing the credit report. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. cbr - Investor-04/XX/2026 <br>Counter-No new documents were uploaded. The previous report provided is the consumers copy of the Lenders credit report and does not contain all the required information the Lender report does. Please provide a copy of the Lenders credit report. Not resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-cbr - Investor-04/XX/2026 <br>Counter-Lender provided copy of part of the credit report, which shows the name and debts, however it does not show date of the credit report or score being used. Condition remains. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. cbr - Investor-04/XX/2026 <br>Open-Borrower 1 Credit Report is Missing. Credit Report is Missing in file. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Thank you for providing the credit report. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8674698 | N/A | N/A |
| 578 | XX | XX | XX |  |  | Closed | 2026-XX-15 07:29 | 2026-XX-27 18:57 | 2026-XX-27 18:57 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Thank you for providing the business bank statements. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. bnk stmts - Buyer-04/XX/2026 <br>Open-Bank statement for November'25 and December'25 both are missing in file. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Thank you for providing the business bank statements. Resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8674176 | N/A | N/A |
| 580 | XX | XX | XX |  |  | Closed | 2026-XX-17 05:53 | 2026-XX-04 15:52 | 2026-XX-04 15:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/XX/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-05/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 8730012 | N/A | N/A |
| 584 | XX | XX | XX |  |  | Closed | 2026-XX-15 09:42 | 2026-XX-21 17:26 | 2026-XX-21 17:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Affidavit received. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Affidavit received. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CA | Investment | Purchase | NA | 8678092 | N/A | N/A |
| 585 | XX | XX | XX |  |  | Closed | 2026-XX-24 07:14 | 2026-XX-24 07:14 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NY | Second Home | Purchase | NA | 8862196 | Investor Post-Close | No |
| 587 | XX | XX | XX |  |  | Closed | 2026-XX-03 05:01 | 2026-XX-06 12:49 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. provided valuations reports are within tolerance. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. provided valuations reports are within tolerance. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8470663 | Investor Post-Close | No |
| 589 | XX | XX | XX |  |  | Closed | 2026-XX-20 10:02 | 2026-XX-04 15:44 | 2026-XX-04 15:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Received complete insurance policy. Rent loss coverage outlined on Page B-7. Resolved. - Due Diligence Vendor-05/XX/2026 <br>Resolved-Rent Loss Coverage provided - Due Diligence Vendor-05/XX/2026 <br>Ready for Review-Document Uploaded. insurance with additional living expenses on page 34. - Buyer-05/XX/2026 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Received complete insurance policy. Rent loss coverage outlined on Page B-7. Resolved. - Due Diligence Vendor-05/XX/2026 <br>Resolved-Rent Loss Coverage provided - Due Diligence Vendor-05/XX/2026<br>| XX |  |  | TN | Investment | Purchase | NA | 8769239 | N/A | N/A |
| 590 | XX | XX | XX |  |  | Closed | 2026-XX-17 11:26 | 2026-XX-17 11:26 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8739722 | Investor Post-Close | No |
| 594 | XX | XX | XX |  |  | Closed | 2026-XX-15 13:18 | 2026-XX-28 14:40 |  | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $2XX is greater than the Guideline Maximum Loan Amount of $2000000 Lender Exception provided. - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. loe - Buyer-04/XX/2026 <br> Counter-Lender provided SLE, however for SLE to valid needs to match the compensating factors for the loan: Audit DTI 35.08 vs 39, Audit FICO 640 vs 720. Condition remains. - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. SLE attached. - Buyer-04/XX/2026 <br> Open-Audited Loan Amount of $XX is greater than the Guideline Maximum Loan Amount of $2000000 Loan amount is greater than the Guideline Maximum Loan Amount of $2000000<br>As per the Disposition notice (Page #299)<br> Exception Type: Loan Amount<br> Details: $XX loan amount vs $2,000,000 max <br> Compensating Factors: \*spouse has income (per tax returns) but not being used to qualify \*39 DTI vs 50 <br> max \*758 FICO vs 720 minimum \*0x30 mortgage payment history since 2014 \*SE since 2015. - Due Diligence Vendor-04/XX/2026 |  | Waived-Audited Loan Amount of $XX is greater than the Guideline Maximum Loan Amount of $2000000 Lender Exception provided. - Due Diligence Vendor-04/XX/2026 | XX |  | 39% DTI, Max 50% DTI. 758 FICO, 720 Minimum FICO. 0X30 mortgage history since 2014. Self Employed since 2015 | CA | Primary Residence | Refinance | Cash Out - Other | 8684690 | Originator Pre-Close | Yes |
| 610 | XX | XX | XX |  |  | Closed | 2026-XX-28 23:41 | 2026-XX-29 07:21 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling disc missing - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling disc missing - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8936079 | Investor Post-Close | No |
| 616 | XX | XX | XX |  |  | Closed | 2026-XX-14 16:54 | 2026-XX-22 15:20 | 2026-XX-22 15:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. The Business Purpose Affidavit is missing in the file. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | OR | Investment | Refinance | No Cash Out - Borrower Initiated | 8662575 | N/A | N/A |
| 624 | XX | XX | XX |  |  | Closed | 2026-XX-15 01:01 | 2026-XX-22 13:22 | 2026-XX-22 13:22 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Thank you for providing the credit report. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. CBR for B1 - Buyer-04/XX/2026 <br>Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing - Due Diligence Vendor-04/XX/2026 |  | Resolved-Thank you for providing the credit report. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8666882 | N/A | N/A |
| 627 | XX | XX | XX |  |  | Closed | 2026-XX-03 17:50 | 2026-XX-08 13:24 | 2026-XX-08 13:24 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Correct ROR received. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Right to Cancel Notice with expiration date of 03-XX-26. - Buyer-04/XX/2026 <br>Open-The disclosed "Right to Cancel Expire Date" (2026-XX-20) is earlier than the system calculated "Right to Cancel Expire Date" (2026-XX-23). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Provide updated 'Notice of Right to Cancel' with Right to Cancel Expire Date 2026-XX-23. Notary signed on 2026-XX-19 - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Correct ROR received. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | LA | Primary Residence | Refinance | Cash Out - Other | 8485207 | N/A | N/A |
| 627 | XX | XX | XX |  |  | Closed | 2026-XX-03 16:26 | 2026-XX-03 16:26 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | LA | Primary Residence | Refinance | Cash Out - Other | 8484214 | Investor Post-Close | No |
| 632 | XX | XX | XX |  |  | Closed | 2026-XX-20 06:06 | 2026-XX-23 15:09 | 2026-XX-23 15:09 | Resolved | 1 - Information | Compliance | Closing | Note Does Not Indicate a Buy-Down but CD Indicates a Buy-Down | Resolved-Lender provided buydown agreement signed and dated by borrower. condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached buydown agreement. - Buyer-04/XX/2026 <br>Open-Note showing Fixed rate and CD showing 1/1 Step Rate. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided buydown agreement signed and dated by borrower. condition resolved. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | WA | Primary Residence | Purchase | NA | 8763238 | N/A | N/A |
| 632 | XX | XX | XX |  |  | Closed | 2026-XX-17 03:51 | 2026-XX-17 10:17 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation available within Tolerance Limit - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation available within Tolerance Limit - Due Diligence Vendor-04/XX/2026<br>|  |  |  | WA | Primary Residence | Purchase | NA | 8723849 | Originator Post-Close | Yes |
| 637 | XX | XX | XX |  |  | Closed | 2026-XX-07 13:48 | 2026-XX-07 13:48 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 8532135 | Investor Post-Close | No |
| 640 | XX | XX | XX |  |  | Closed | 2026-XX-14 23:59 | 2026-XX-14 23:59 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-04/XX/2026<br>|  |  |  | GA | Primary Residence | Purchase | NA | 8666468 | Investor Post-Close | No |
| 646 | XX | XX | XX |  |  | Closed | 2026-XX-30 13:11 | 2026-XX-30 13:11 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | GA | Primary Residence | Purchase | NA | 8976266 | Investor Post-Close | No |
| 648 | XX | XX | XX |  |  | Closed | 2026-XX-15 12:06 | 2026-XX-27 18:48 | 2026-XX-27 18:48 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-DL with 2026 expiration provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Borrower photo ID expiration date is 02-XX-2034 and note is dated 04-XX-2026. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. ID - Buyer-04/XX/2026 <br>Open-Borrower photo ID expiration date is 02-XX-2026 and note is dated 04-XX-2026. Provided ID document for Borrower one is Expired. - Due Diligence Vendor-04/XX/2026 |  | Resolved-DL with 2026 expiration provided. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Borrower photo ID expiration date is 02-XX-2034 and note is dated 04-XX-2026. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8682959 | N/A | N/A |
| 649 | XX | XX | XX |  |  | Closed | 2026-XX-03 08:45 | 2026-XX-03 09:13 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8473501 | Investor Post-Close | No |
| 655 | XX | XX | XX |  |  | Closed | 2026-XX-04 09:55 | 2026-XX-04 09:55 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/XX/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 9023340 | Investor Post-Close | No |
| 660 | XX | XX | XX |  |  | Closed | 2026-XX-03 07:17 | 2026-XX-06 07:49 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuations repots are within tolerance. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuations repots are within tolerance. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8472107 | Investor Post-Close | No |
| 662 | XX | XX | XX |  |  | Closed | 2026-XX-21 14:02 | 2026-XX-24 08:26 | 2026-XX-24 08:26 | Resolved | 1 - Information | Credit | Eligibility | Credit History Insufficient | Resolved-Reviewing the credit report, the accounts do appear to be authorized user, per guidelines can be omitted unless the borrower brings proof they are paying them. condition resolved. - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-These are authorized user accounts per the credit report and do no need to be included in the ratios. - Buyer-04/XX/2026 <br> Open-Provide Proof for following labilities are excluded from labilities <br> 1.XXX #XXX payment $35 and Bal $2,635<br> 2.XXX #XXX payment $42 and Bal $2,177<br>- Due Diligence Vendor-04/XX/2026 |  | Resolved-Reviewing the credit report, the accounts do appear to be authorized user, per guidelines can be omitted unless the borrower brings proof they are paying them. condition resolved. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 8802798 | N/A | N/A |
| 664 | XX | XX | XX |  |  | Closed | 2026-XX-29 08:47 | 2026-XX-29 08:47 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Second Home | Purchase | NA | 8945710 | Investor Post-Close | No |
| 669 | XX | XX | XX |  |  | Closed | 2026-XX-16 06:58 | 2026-XX-17 07:31 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provide valuation reports are within tolerance. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provide valuation reports are within tolerance. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 8702157 | Originator Post-Close | Yes |
| 670 | XX | XX | XX |  |  | Closed | 2026-XX-17 16:07 | 2026-XX-28 14:15 | 2026-XX-28 14:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-04/XX/2026 <br>Counter-EConsent provided. Please provide Business Purpose Certification. Not Resolved. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Thank you for providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | KS | Investment | Purchase | NA | 8747378 | N/A | N/A |
| 673 | XX | XX | XX |  |  | Closed | 2026-XX-23 12:32 | 2026-XX-09 11:27 | 2026-XX-09 11:27 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (xx) | Resolved-Fee coding updated. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Please provide clarification as the Lenders title policy $600.00 was listed on the LEs dated 01/XX/26 and 02/XX/26 and the ICD 02/20, and the closing CD dated 02/XX/26 - Investor-04/XX/2026 <br>Open-TILA is failing for Lender's Title Policy $600.00 in xx report it is not reflecting in LE section however it is present in CD section. - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-The total amount of the 10% category fees ($921.00) has increased by more than 10% over the current baseline value of ($796.00). The total amount of fees in the 10% category cannot exceed ($875.60). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 |  | Resolved-Fee coding updated. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>|  |  | y | CO | Primary Residence | Purchase | NA | 8269099 | N/A | N/A |
| 673 | XX | XX | XX |  |  | Closed | 2026-XX-23 12:32 | 2026-XX-09 11:26 | 2026-XX-09 11:26 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (xx) | Resolved-Fee coding updated. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Please provide clarification as the Lenders title policy $600.00 was listed on the LEs dated 01/XX/26 and 02/XX/26 and the ICD 02/20, and the closing CD dated 02/XX/26 - Buyer-04/XX/2026 <br>Open-TILA is failing for Lender's Title Policy $600.00 in xx report it is not reflecting in LE section however it is present in CD section. - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-The total amount of the 10% category fees on the last Closing Disclosure ($921.00) has increased by more than 10% over the current baseline value of ($796.00). The total amount of fees in the 10% category cannot exceed ($875.60). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 <br>Open-XX- Due Diligence Vendor-03/XX/2026 |  | Resolved-Fee coding updated. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>|  |  | y | CO | Primary Residence | Purchase | NA | 8269098 | N/A | N/A |
| 673 | XX | XX | XX |  |  | Closed | 2026-XX-25 16:04 | 2026-XX-09 11:11 | 2026-XX-09 11:11 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-CDA doc received. Value supported. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-CDA received. Value supported. - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. cda - Seller-04/XX/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. CU is 3.2, Desk review required - Due Diligence Vendor-03/XX/2026 | Ready for Review-Document Uploaded. cda - Seller-04/XX/2026<br>| Resolved-CDA doc received. Value supported. - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CO | Primary Residence | Purchase | NA | 8321030 | N/A | N/A |
| 673 | XX | XX | XX |  |  | Closed | 2026-XX-09 11:07 | 2026-XX-09 11:07 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CO | Primary Residence | Purchase | NA | 8578354 | Investor Post-Close | No |
| 674 | XX | XX | XX |  |  | Closed | 2026-XX-30 10:30 | 2026-XX-04 09:37 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XX- Due Diligence Vendor-05/XX/2026 <br>Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary product within tolerance page#366-380 - Due Diligence Vendor-04/XX/2026 |  | Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary product within tolerance page#366-380 - Due Diligence Vendor-04/XX/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 8972399 | Investor Post-Close | No |
| 678 | XX | XX | XX |  |  | Closed | 2026-XX-15 10:35 | 2026-XX-23 14:40 | 2026-XX-23 14:40 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Lender provided updated ROR to reflect the correct dates for recission for both borrowers, condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. updated rtc for both borrowers - Buyer-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-The disclosed "Right to Cancel Expire Date" (2026-XX-06) is earlier than the system calculated "Right to Cancel Expire Date" (2026-XX-07). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The disclosed "Right to Cancel Expire Date" (2026-XX-06) is earlier than the system calculated "Right to Cancel Expire Date" (2026-XX-07). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided updated ROR to reflect the correct dates for recission for both borrowers, condition resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8680550 | N/A | N/A |
| 689 | XX | XX | XX |  |  | Closed | 2026-XX-20 14:16 | 2026-XX-20 14:16 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 8777316 | Investor Post-Close | No |
| 690 | XX | XX | XX |  |  | Closed | 2026-XX-15 16:36 | 2026-XX-22 10:47 | 2026-XX-22 10:47 | Resolved | 1 - Information | Compliance | xx | NJ Fee Not Allowed- Loan Discount Fee (Fee ID: 999) | Resolved-Fee naming convention updated. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Finding invalid. No loan discount fee is disclosed on the Closing Disclosure (CD). While points are reflected as paid by the borrower, such charges are permitted under N.J.A.C. 3:1-16.2(a)8 and do not constitute a loan discount fee violation. - Buyer-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Loan Discount Fee (Fee ID: 999) to be charged to the Borrower in NJ. .... - Due Diligence Vendor-04/XX/2026 <br>Open-XX- Due Diligence Vendor-04/XX/2026 |  | Resolved-Fee naming convention updated. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/XX/2026<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 8692348 | N/A | N/A |
| 695 | XX | XX | XX |  |  | Closed | 2026-XX-20 09:16 | 2026-XX-24 08:37 | 2026-XX-24 08:37 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Lender provided HOI policy, which shows 100% coverage and the appraisal shows replacement coverage, which is sufficient to cover loan amount. condition resolved. - Due Diligence Vendor-04/XX/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. HOI policy shows that there is 100% replacement cost - Buyer-04/XX/2026 <br> Open-Hazard Insurance Coverage Amount of $100000 is less than Total Amount of Subject Lien(s) of $XX - Due Diligence Vendor-04/XX/2026 |  | Resolved-Lender provided HOI policy, which shows 100% coverage and the appraisal shows replacement coverage, which is sufficient to cover loan amount. condition resolved. - Due Diligence Vendor-04/XX/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-04/XX/2026 | XX |  |  | FL | Primary Residence | Purchase | NA | 8767506 | N/A | N/A |
| 696 | XX | XX | XX |  |  | Closed | 2026-XX-14 14:21 | 2026-XX-14 14:21 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XX- Due Diligence Vendor-04/XX/2026 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  |  |  |  |  | MN | Primary Residence | Purchase | NA | 8660164 | Investor Post-Close | No |
| 698 | XX | XX | XX |  |  | Closed | 2026-XX-06 10:04 | 2026-XX-16 17:35 | 2026-XX-16 17:35 | Resolved | 1 - Information | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Resolved-Max allowable flood coverage of 250k is acceptable. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Please provide clarification on where you are seeing that this is not enough flood coverage - Buyer-04/XX/2026 <br>Open-Flood Insurance Coverage Amount does not meet minimum required coverage amount Flood Insurance Coverage Amount is less than loan amount - Due Diligence Vendor-04/XX/2026 |  | Resolved-Max allowable flood coverage of 250k is acceptable. Resolved. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-04/XX/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8500103 | N/A | N/A |
| 698 | XX | XX | XX |  |  | Closed | 2026-XX-06 10:04 | 2026-XX-16 17:34 | 2026-XX-16 17:34 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Policy covers 100% replacement cost. Resolved. - Due Diligence Vendor-04/XX/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. The HOI policy is at 100% replacement cost per the email uploaded - Buyer-04/XX/2026 <br> Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX Hazard Insurance Coverage Amount is less than loan amount - Due Diligence Vendor-04/XX/2026 |  | Resolved-Policy covers 100% replacement cost. Resolved. - Due Diligence Vendor-04/XX/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-04/XX/2026 | XX |  |  | FL | Primary Residence | Purchase | NA | 8500104 | N/A | N/A |
| 699 | XX | XX | XX |  |  | Closed | 2026-XX-03 11:07 | 2026-XX-09 08:22 |  | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8477330 | Investor Post-Close | No |
| 699 | XX | XX | XX |  |  | Closed | 2026-XX-03 11:07 | 2026-XX-03 11:07 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8477328 | Investor Post-Close | No |
| 702 | XX | XX | XX |  |  | Closed | 2026-XX-14 13:41 | 2026-XX-23 09:55 | 2026-XX-23 09:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-LA SOS does not print date of searches when reports pulled. Confirmed 4/XX/2026 the Entity is active and in good standing. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached evidence of good standing. - Buyer-04/XX/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-04/XX/2026 |  | Resolved-LA SOS does not print date of searches when reports pulled. Confirmed 4/XX/2026 the Entity is active and in good standing. - Due Diligence Vendor-04/XX/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | LA | Investment | Purchase | NA | 8659401 | N/A | N/A |
| 712 | XX | XX | XX |  |  | Closed | 2026-XX-17 11:01 | 2026-XX-23 09:56 | 2026-XX-23 09:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached business purpose certificate.<br> - Buyer-04/XX/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | TX | Investment | Purchase | NA | 8738968 | N/A | N/A |
| 716 | XX | XX | XX |  |  | Closed | 2026-XX-07 10:39 | 2026-XX-08 13:28 | 2026-XX-08 13:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Worksheet received. Resolved - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached worksheet. - Buyer-04/XX/2026 <br> Open-The bank statement income calculation worksheet was missing from the loan file. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Worksheet received. Resolved - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | OR | Investment | Refinance | Cash Out - Other | 8527695 | N/A | N/A |
| 716 | XX | XX | XX |  |  | Closed | 2026-XX-02 04:20 | 2026-XX-02 04:20 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | OR | Investment | Refinance | Cash Out - Other | 8446676 | Investor Post-Close | No |
| 717 | XX | XX | XX |  |  | Closed | 2026-XX-17 11:41 | 2026-XX-22 14:01 | 2026-XX-22 14:01 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-04/XX/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/XX/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/XX/2026<br>| XX |  |  | CT | Investment | Purchase | NA | 8740158 | N/A | N/A |
| 724 | XX | XX | XX |  |  | Closed | 2026-XX-14 06:17 | 2026-XX-14 08:00 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-XX- Due Diligence Vendor-05/XX/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 03/XX/2026 is after the Primary Appraisal Delivery Date of 03/XX/2026. - Due Diligence Vendor-04/XX/2026 |  |  |  |  |  | TX | Primary Residence | Purchase | NA | 8646741 | Investor Post-Close | No |
| 727 | XX | XX | XX |  |  | Closed | 2026-XX-28 10:30 | 2026-XX-28 11:27 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/XX/2026<br>|  |  |  | CA | Investment | Purchase | NA | 8921612 | Investor Post-Close | No |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 67 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 43.64 | 43.63 | Audit Value of Subject Lien / Qualifying Value |
| 67 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 43.64 | 43.63 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 140 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 41.18 | 41.17 | Rounding |
| 140 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 41.18 | 41.17 | Rounding |
| 146 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from appraisal |
| 270 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled from Appraisal. |
| 283 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80.23 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 283 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80.23 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 293 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 293 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 294 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 54.55 | 0.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 294 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 54.55 | 0.55 | Audit Value of Subject Lien / Qualifying Value |
| 300 | XX |  |  | XX | Sales Price | propertyValuationPage | XX | XX | Audit Value Verified on Purchase Contract / Final CD. |
| 303 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 46.03 | 0.45 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 46.03 | 0.45 | Audit Value of Subject Lien / Qualifying Value |
| 311 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 34.82 | 0.35 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 313 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 71.58 | 0.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 313 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 71.58 | 0.72 | Audit Value of Subject Lien / Qualifying Value |
| 319 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 326 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of Subject Lien / Qualifying Value |
| 326 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 330 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 72.27 | 0.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 330 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 72.27 | 0.72 | Audit Value of Subject Lien / Qualifying Value |
| 333 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled From appraisal. |
| 335 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 343 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 61.88 | 0.62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 343 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 61.88 | 0.62 | Audit Value of Subject Lien / Qualifying Value |
| 347 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien HELOC / Qualifying Value |
| 347 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 367 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 367 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 373 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 63.83 | 0.64 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 373 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 63.83 | 0.64 | Audit Value of Subject Lien / Qualifying Value |
| 383 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 85 | 0.85 | Audit Value of Subject Lien / Qualifying Value |
| 383 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 85 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 386 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 73.81 | 0.66 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 386 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 65.73 | 0.66 | Audit Value of Subject Lien / Qualifying Value |
| 388 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Rounding |
| 388 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 75 | 0.75 | Rounding |
| 397 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 400 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from appraisal |
| 409 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.88 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 409 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 69.88 | 0.70 | Audit Value of Subject Lien / Qualifying Value |
| 412 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 58.86 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 412 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 58.86 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 427 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 79.23 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 427 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 79.23 | 0.79 | Audit Value of Subject Lien / Qualifying Value |
| 436 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 439 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 59.24 | 0.59 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 441 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 44.83 | 0.45 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 447 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 448 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit value pulled from documents located in the loan file. |
| 465 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 56.9 | 0.57 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 480 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 77.31 | 0.77 | Audit Value of Subject Lien / Qualifying Value |
| 480 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 77.31 | 0.77 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 482 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 483 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 74.55 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 488 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 489 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 68.08 | 0.68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 492 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 63.69 | 0.64 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 492 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 63.69 | 0.64 | Audit Value of Subject Lien / Qualifying Value |
| 501 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 60 | 0.60 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 511 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 519 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 536 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 537 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 547 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 547 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 548 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 52.7 | 0.53 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 548 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 52.7 | 0.53 | Audit Value of Subject Lien / Qualifying Value |
| 553 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 553 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 75 | 0.75 | Audit Value of Subject Lien / Qualifying Value" |
| 554 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 78.57 | 0.79 | Audit Value of Subject Lien / Qualifying Value |
| 554 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 78.57 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 555 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 555 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 75 | 0.75 | Audit Value of Subject Lien / Qualifying Value |
| 557 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 55.9 | 0.56 | Audit Value of Subject Lien / Qualifying Value |
| 557 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 55.9 | 0.56 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 561 | XX |  |  | XX | Sales Price | propertyValuationPage | XX | XX | Audit Value Verified on Purchase Contract / Final CD. |
| 561 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.38 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 562 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 563 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 85 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 565 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 568 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 570 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.08 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 571 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 65 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 576 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 66.03 | 0.66 | Rounding |
| 576 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 66.03 | 0.66 | Rounding |
| 577 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 578 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 70 | 0.70 | Audit Value of Subject Lien / Qualifying Value |
| 578 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 70 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 581 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 581 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 589 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 589 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 590 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 50.82 | 0.51 | Audit Value of Subject Lien / Qualifying Value |
| 590 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 50.82 | 0.51 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 594 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 594 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 601 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.35 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 615 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 90 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 615 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 90 | 0.90 | Audit Value of Subject Lien / Qualifying Value |
| 624 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 85 | 0.85 | Audit Value of Subject Lien / Qualifying Value |
| 624 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 85 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 629 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 49.18 | 0.49 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 632 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 60 | 0.60 | Audit Value of Subject Lien / Qualifying Value |
| 632 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 60 | 0.60 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 635 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 63.38 | 0.63 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 637 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 41.74 | 0.42 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 644 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 70.2 | 0.70 | Audit Value of Subject Lien / Qualifying Value |
| 644 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 70.2 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 648 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 70 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 648 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 70 | 0.70 | Audit Value of Subject Lien / Qualifying Value |
| 649 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75.57 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 651 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 71.6 | 0.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 655 | XX |  |  | XX | Property City | notePage | XX | XX | Audited data pulled from Note document. |
| 661 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of Subject Lien / Qualifying Value |
| 661 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 662 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 54.78 | 0.55 | Audit Value of Subject Lien / Qualifying Value |
| 662 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 54.78 | 0.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 664 | XX |  |  | XX | Sales Price | propertyValuationPage | XX | XX | Updated as per the latest contract addendum |
| 665 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 74 | 0.74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 669 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 74.81 | 0.75 | Audit Value of Subject Lien / Qualifying Value |
| 669 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 74.81 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 678 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 79.1 | 0.79 | Audit Value of Subject Lien / Qualifying Value |
| 678 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 79.1 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 678 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 680 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 67.57 | 0.68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 685 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 690 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 72.22 | 0.72 | Audit Value of Subject Lien / Qualifying Value |
| 690 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 72.22 | 0.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 692 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 52.53 | 0.53 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 693 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 695 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 90 | 0.90 | Audit Value of Subject Lien / Qualifying Value |
| 695 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 90 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 696 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 72.73 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 699 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 60.28 | 0.60 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 701 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from documents 1025 Appraisal in the loan file. |
| 701 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 705 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 85 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 705 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal.<br>|
| 707 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 709 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 711 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 67.09 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 713 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 713 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from Appraisal |
| 714 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 715 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 59.26 | 0.59 | Audit Value of Subject Lien / Qualifying Value |
| 715 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 59.26 | 0.59 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 724 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 71.43 | 0.71 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 727 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 51.69 | 0.52 | Audit Value of Subject Lien / Qualifying Value |
| 727 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 51.69 | 0.52 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 728 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80 | 0.80 | Audit Value of Subject Lien / Qualifying Value |
| 728 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 730 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.7 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 730 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 69.7 | 0.70 | Audit Value of Subject Lien / Qualifying Value |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 64 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 67 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4456.68 | N/A | Employed |  | No |  | No |  |
| 81 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17879.03 | N/A | Employed | Employed | No | No | Yes | Present |
| 87 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9904.36 | N/A | Employed | Employed | No | No | Yes | Present |
| 89 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29482.31 | N/A | Employed | Employed | No | No | No |  |
| 90 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5857.61 | N/A | Employed |  | No |  | No |  |
| 91 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 93 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12838.72 | N/A | Employed | Employed | No | No | Yes | Present |
| 95 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23663.8 | N/A | Employed | Employed | No | No | Yes | Present |
| 102 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 107 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14504.11 | N/A | Employed | Employed | No | No | Yes | Present |
| 109 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24966.34 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 115 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 116 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 117 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.703 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33417.96 | N/A | Employed |  | No |  | No |  |
| 118 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 128 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 132 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 133 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12942.91 | N/A | Employed |  | No |  | No |  |
| 140 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6056.2 | N/A | Employed |  | No |  | No |  |
| 143 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28437.79 | N/A | Employed |  | No |  | No |  |
| 146 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 147 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3711.41 | N/A | Employed |  | No |  | Yes | Present |
| 148 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19821.66 | N/A | Employed |  | No |  | No |  |
| 149 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16072.17 | N/A | Employed | Employed | No | No | No |  |
| 152 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.991 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10663.83 | N/A | Employed | Employed | No | No | No |  |
| 161 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19163.99 | N/A | Employed |  | No |  | No |  |
| 162 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3711.42 | N/A | Employed |  | No |  | Yes | Present |
| 248 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6186.27 | N/A | Employed |  | No |  | No |  |
| 254 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 255 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6220.15 | N/A | Employed |  | No |  | No |  |
| 256 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 257 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.824 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| 259 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2556.19 | N/A | Employed |  | No |  | No |  |
| 261 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 262 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 306610.83 | N/A | Employed |  | No |  | No |  |
| 263 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13994.19 | N/A | Employed | Employed | No | No | No |  |
| 266 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 267 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 268 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9971.41 | N/A | Employed |  | No |  | No |  |
| 270 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 273 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.689 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23186.15 | N/A | Employed |  | No |  | No |  |
| 278 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 279 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 283 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 284 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7015.08 | N/A | Employed |  | No |  | Yes | Present |
| 285 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| 286 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 290 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6218.81 | N/A | Retired |  | No |  | No |  |
| 291 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 293 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8435.39 | N/A | Employed |  | No |  | No |  |
| 294 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24187.7 | N/A | Employed |  | No |  | No |  |
| 299 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 300 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9415.7 | N/A | Employed |  | No |  | No |  |
| 303 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 304 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17968.55 | N/A | Employed |  | No |  | No |  |
| 306 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10684.97 | N/A | Employed |  | No |  | No |  |
| 308 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8503.05 | N/A | Employed |  | No |  | No |  |
| 310 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 311 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6084.51 | N/A | Employed |  | No |  | No |  |
| 313 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45553.65 | N/A | Employed |  | No |  | Yes | Present |
| 316 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2905.84 | N/A | Retired |  | No |  | No |  |
| 319 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 326 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11666.22 | N/A | Employed |  | No |  | No |  |
| 327 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.239 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8252.98 | N/A | Employed |  | No |  | No |  |
| 328 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21515.24 | N/A | Employed | Employed | No | No | No |  |
| 330 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31470.8 | N/A | Employed | Employed | No | No | No |  |
| 332 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.866 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5961.6 | N/A | Employed |  | No |  | No |  |
| 333 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 334 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 335 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 341 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3871.77 | N/A | Employed |  | No |  | No |  |
| 343 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5595.67 | N/A | Employed |  | No |  | No |  |
| 345 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.372 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66555.57 | N/A | Employed |  | No |  | No |  |
| 347 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 348 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 354 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 355 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4927.77 | N/A | Employed |  | No |  | Yes | Present |
| 356 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 358 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32210.98 | N/A | Employed | Retired | No | No | No |  |
| 359 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 361 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27564.23 | N/A | Employed |  | No |  | No |  |
| 363 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38729.6 | N/A | Employed |  | No |  | No |  |
| 364 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 367 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14701.56 | N/A | Employed |  | No |  | No |  |
| 370 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 373 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 125637.67 | N/A | Employed | Not Employed | No | No | No |  |
| 379 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8943.67 | N/A | Employed |  | No |  | No |  |
| 382 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14457.38 | N/A | Employed |  | No |  | Yes | Present |
| 383 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6680.23 | N/A | Employed |  | No |  | No |  |
| 386 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15462.24 | N/A | Employed |  | No |  | No |  |
| 388 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.245 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8033.19 | N/A | Employed | Employed | No | No | No |  |
| 390 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7596.35 | N/A | Employed | Employed | No | No | Yes | Present |
| 391 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| 397 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 400 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 402 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 406 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 407 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.864 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11719.93 | N/A | Employed | Employed | No | No | No |  |
| 411 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48489.55 | N/A | Employed |  | No |  | No |  |
| 412 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 413 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 416 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16198.32 | N/A | Employed | Employed | No | No | No |  |
| 420 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11260.46 | N/A | Employed |  | No |  | No |  |
| 423 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32474.25 | N/A | Employed |  | No |  | No |  |
| 426 | XX |  |  | XX | ATR/QM: Not Applicable | Non-QM: Lender documented all ATR UW factors | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14853.12 | N/A | Employed |  | No |  | No |  |
| 427 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54261.43 | N/A | Employed |  | No |  | No |  |
| 428 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 434 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 436 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 437 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 438 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 439 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.84 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11043.05 | N/A | Retired | Retired | No | No | No |  |
| 441 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3510.37 | N/A | Employed |  | No |  | No |  |
| 445 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6581.42 | N/A | Employed | Retired | No | No | No |  |
| 446 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.593 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6359.51 | N/A | Employed |  | No |  | No |  |
| 447 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 448 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 449 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 450 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11365 | N/A | Retired |  | No |  | Yes | Present |
| 458 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 465 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2313.45 | N/A | Retired |  | No |  | No |  |
| 466 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2540.5 | N/A | Employed |  | No |  | No |  |
| 469 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 470 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14635.68 | N/A | Employed |  | No |  | No |  |
| 471 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5927.87 | N/A | Retired |  | No |  | No |  |
| 472 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 473 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 474 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18263.24 | N/A | Employed |  | No |  | No |  |
| 480 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1827.75 | N/A | Employed | Retired | No | No | No |  |
| 481 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11064.26 | N/A | Employed |  | No |  | No |  |
| 482 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 114458.9 | N/A | Employed | Retired | No | No | Yes | Present |
| 483 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 86843.82 | N/A | Employed |  | No |  | No |  |
| 485 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8701.06 | N/A | Employed |  | No |  | No |  |
| 487 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3054.59 | N/A | Employed |  | No |  | No |  |
| 488 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 489 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 490 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26853.47 | N/A | Employed |  | No |  | Yes | Present |
| 492 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4446.04 | N/A | Retired | Employed | No | No | No |  |
| 497 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6858.58 | N/A | Employed |  | No |  | Yes | Present |
| 500 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7929.65 | N/A | Employed |  | No |  | No |  |
| 501 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 505 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22462.13 | N/A | Employed |  | No |  | No |  |
| 506 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| 510 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 511 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 518 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5491.37 | N/A | Employed |  | No |  | No |  |
| 519 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 522 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 527 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7817.99 | N/A | Employed |  | No |  | No |  |
| 530 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 532 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 534 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6508.44 | N/A | Employed | Not Employed | No | No | No |  |
| 536 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 537 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 540 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5639.02 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 541 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 545 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 547 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 548 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12989.58 | N/A | Employed |  | No |  | No |  |
| 549 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 550 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7108.03 | N/A | Employed |  | No |  | No |  |
| 551 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 553 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 554 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2850.54 | N/A | Employed |  | No |  | No |  |
| 555 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9529.07 | N/A | Employed |  | No |  | No |  |
| 557 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12211.25 | N/A | Employed |  | No |  | No |  |
| 558 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2722.17 | N/A | Employed |  | No |  | No |  |
| 560 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5808.86 | N/A | Employed |  | No |  | No |  |
| 561 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25127.93 | N/A | Employed |  | No |  | No |  |
| 562 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 563 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 565 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14510.89 | N/A | Employed | Employed | No | No | No |  |
| 568 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 93728.27 | N/A | Employed |  | No |  | Yes | Present |
| 570 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 571 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 576 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.314 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| 577 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 578 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10096.47 | N/A | Employed |  | No |  | No |  |
| 579 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3678.57 | N/A | Employed |  | No |  | No |  |
| 580 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 581 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 584 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 585 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22763.06 | N/A | Employed | Employed | No | No | No |  |
| 587 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1000209.14 | N/A | Employed |  | No |  | No |  |
| 588 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35251.03 | N/A | Employed |  | No |  | No |  |
| 589 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10199.49 | N/A | Employed | Retired | No | No | Yes | Present |
| 590 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9706.96 | N/A | Employed |  | No |  | No |  |
| 593 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 594 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42112.07 | N/A | Employed | Retired | No | No | No |  |
| 596 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 597 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.308 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12350.78 | N/A | Employed |  | No |  | No |  |
| 601 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22203.3 | N/A | Employed |  | No |  | No |  |
| 603 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9825.44 | N/A | Employed |  | No |  | No |  |
| 605 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 606 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 609 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5345.78 | N/A | Employed |  | No |  | No |  |
| 610 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8162.4 | N/A | Employed |  | No |  | No |  |
| 614 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4043.65 | N/A | Employed |  | No |  | Yes | Present |
| 615 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5281.56 | N/A | Employed |  | No |  | No |  |
| 616 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 617 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 618 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34124.43 | N/A | Employed | Employed | No | No | Yes | Present |
| 620 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4535.02 | N/A | Retired | Not Employed | No | No | No |  |
| 621 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 623 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 64695.76 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 624 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11451.95 | N/A | Employed |  | No |  | Yes | Present |
| 626 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8549.82 | N/A | Retired |  | No |  | No |  |
| 627 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82741.21 | N/A | Employed |  | No |  | No |  |
| 628 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3515.01 | N/A | Retired | Retired | No | No | Yes | Present |
| 629 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 630 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.051 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14143.08 | N/A | Employed |  | No |  | No |  |
| 631 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6172.26 | N/A | Employed |  | No |  | No |  |
| 632 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.668 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| 635 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10775.8 | N/A | Not Employed | Not Employed | No | No | No |  |
| 636 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 637 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.473 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4774.63 | N/A | Employed |  | No |  | No |  |
| 640 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 112959.43 | N/A | Employed |  | No |  | No |  |
| 641 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46905.34 | N/A | Employed |  | No |  | No |  |
| 644 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39823.74 | N/A | Employed |  | No |  | No |  |
| 646 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.838 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6582.67 | N/A | Employed |  | No |  | No |  |
| 648 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12196.76 | N/A | Employed | Employed | No | No | No |  |
| 649 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.36 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1396433.49 | N/A | Employed |  | No |  | No |  |
| 651 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3171.57 | N/A | Employed |  | No |  | No |  |
| 653 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 655 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| 656 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 660 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7628.23 | N/A | Employed |  | No |  | No |  |
| 661 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10875.89 | N/A | Employed | Employed | No | No | No |  |
| 662 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6589 | N/A | Employed |  | No |  | No |  |
| 663 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4945.03 | N/A | Employed | Employed | No | No | No |  |
| 664 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.629 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 403347.51 | N/A | Employed |  | No |  | No |  |
| 665 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 669 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58481.81 | N/A | Employed |  | No |  | No |  |
| 670 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 673 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31848.45 | N/A | Employed |  | No |  | No |  |
| 674 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 184208.34 | N/A | Employed |  | No |  | No |  |
| 678 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7473.93 | N/A | Employed |  | No |  | No |  |
| 679 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 680 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 681 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 684 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 685 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6855.75 | N/A | Employed | Employed | No | No | Yes | Present |
| 687 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 881575.7 | N/A | Employed |  | No |  | No |  |
| 689 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47665.66 | N/A | Employed | Retired | No | No | No |  |
| 690 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7173.18 | N/A | Employed |  | No |  | No |  |
| 692 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9459.76 | N/A | Employed |  | No |  | Yes | Present |
| 693 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 695 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3230.74 | N/A | Employed |  | No |  | No |  |
| 696 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13125.57 | N/A | Employed | Not Employed | No | No | No |  |
| 698 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15648.58 | N/A | Employed |  | No |  | No |  |
| 699 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20675.62 | N/A | Retired | Employed | No | No | Yes | Present |
| 700 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 701 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 702 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 705 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 707 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 708 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7731.09 | N/A | Employed |  | No |  | No |  |
| 709 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 711 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28572.4 | N/A | Employed |  | No |  | No |  |
| 712 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 713 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 714 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 715 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48105.56 | N/A | Employed |  | No |  | Yes | Present |
| 716 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53117.23 | N/A | Employed |  | No |  | No |  |
| 717 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 720 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3924.68 | N/A | Employed |  | No |  | No |  |
| 721 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 724 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 128722.99 | N/A | Retired | Retired | No | No | No |  |
| 726 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8896.84 | N/A | Employed |  | No |  | No |  |
| 727 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 210679.04 | N/A | Employed |  | No |  | Yes | Present |
| 728 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11188.13 | N/A | Employed | Employed | No | No | No |  |
| 730 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 731 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_004.jpg)

![](ex99-3_001.jpg)

**May 19, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex99-3_004.jpg)

**Table of Contents**

---

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

---

 ****

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 1 May 19, 2026

 ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-3_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of NewRez LLC, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 90 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-NQM7 transaction.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from October 2025 to April 2026. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 15 | 16.67% |
| Correspondent Bulk | 38 | 42.22% |
| Correspondent Flow with delegated underwriting | 36 | 40.00% |
| Retail | 1 | 1.11% |
| **Total** | **90** | **100.00%** |

---

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 2 May 19, 2026

![](ex99-3_004.jpg)

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

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

---

| | |
|:---|:---|
| Review scope | # of Files Reviewed |
| Credit Review | 90 |
| Property Valuation Review | 90 |
| Regulatory Compliance Review | 84 |
| Data Integrity Check | 90 |

---

Loan Grading

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

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

![](ex99-3_002.jpg)

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 3 May 19, 2026

![](ex99-3_004.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 90 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (90 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (90 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. It is noted that in this process, NewRez LLC provided Clayton a spreadsheet only of the results of the initial AVM's from HouseCanary. Clayton did not have independent access to the report nor the PDF files associated with each result. 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;· 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;· 1004 / 1025 / 1073

For further detail please refer to the NRMLT 2026-NQM7 Valuations Summary Report

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 4 May 19, 2026

![](ex99-3_004.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 84 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 5 May 19, 2026

![](ex99-3_004.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Rithm Capital Corp.

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

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

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 6 May 19, 2026

![](ex99-3_004.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 90 reviewed loans, by completing the following steps:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. 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 Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 90 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Appraisal Form Type | 16 | 82.22% |
| &nbsp;&nbsp;AUS Grade Audit | 8 | 91.11% |
| &nbsp;&nbsp;Borrower 1 First Name | 17 | 81.11% |
| &nbsp;&nbsp;Borrower 1 Last Name | 6 | 93.33% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | 2 | 97.78% |
| &nbsp;&nbsp;Borrower 1 SSN | 16 | 82.22% |
| &nbsp;&nbsp;Borrower 2 First Name | 16 | 82.22% |
| &nbsp;&nbsp;Borrower 2 Last Name | 7 | 92.22% |
| &nbsp;&nbsp;Borrower 2 Self Employed Flag | 2 | 97.78% |
| &nbsp;&nbsp;Borrower 2 SSN | 15 | 83.33% |
| &nbsp;&nbsp;Cash Reserves | 46 | 48.89% |
| &nbsp;&nbsp;Credit Report Date | 4 | 95.56% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 10 | 88.89% |
| &nbsp;&nbsp;Documentation Type | 8 | 91.11% |
| &nbsp;&nbsp;GSE Eligible | 54 | 40.00% |
| &nbsp;&nbsp;Loan Purpose | 3 | 96.67% |
| &nbsp;&nbsp;Note Interest Only Term | 2 | 97.78% |
| &nbsp;&nbsp;Original Appraised Value | 1 | 98.89% |
| &nbsp;&nbsp;Original Term | 5 | 94.44% |
| &nbsp;&nbsp;Origination Channel | 3 | 96.67% |
| &nbsp;&nbsp;Property Type | 15 | 83.33% |
| &nbsp;&nbsp;Property Zip | 2 | 97.78% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 1 | 98.89% |
| &nbsp;&nbsp;Sales Price | 1 | 98.89% |
| &nbsp;&nbsp;Total Cash Out | 5 | 94.44% |
| &nbsp;&nbsp;Total Monthly Income | 18 | 80.00% |

---

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 7 May 19, 2026

![](ex99-3_004.jpg)

**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 60 |  | 17 | 9 | **86** |
| **Final** | **B** |  |  | 2 | 2 | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **60** | **0** | **19** | **11** | **90** |

---

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

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 79 |  | 6 | 5 | **90** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **79** | **0** | **6** | **5** | **90** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 70 |  | 13 | 6 | **89** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **70** | **0** | **14** | **6** | **90** |

---

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 8 May 19, 2026

![](ex99-3_004.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 80 |  | 1 |  | **81** |
| **Final** | **B** |  | 2 | 1 |  | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **80** | **2** | **2** | **0** | **84** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (6 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. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 9 May 19, 2026

![](ex99-3_004.jpg)

**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:

- 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;▪ 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;▪ 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;▪ Tax returns

&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;▪ Paystubs

&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;▪ 1099

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&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;▪ Bank statements

&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;▪ Award letters

&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;▪ Verification of deposits (VOD)

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

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

&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;▪ 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;▪ 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;▪ Fee simple

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

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&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;▪ Correct loan number

&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

- 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

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

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**Appendix B: Origination Appraisal Assessment**

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

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

&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

&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:

- 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's certification is present and executed within the original appraisal.

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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

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

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F. Disclaimer

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

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

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

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

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

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**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)

&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)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

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

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

&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

&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.

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 17 May 19, 2026

![](ex99-3_004.jpg)

&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

&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.

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 18 May 19, 2026

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

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

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

---

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

---

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

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

---

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

---

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

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

&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).

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 19 May 19, 2026

![](ex99-3_004.jpg)

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

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

---

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

---

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

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

---

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

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

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

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to 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.

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 20 May 19, 2026

![](ex99-3_004.jpg)

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

NRMLT 2026-NQM7 Due Diligence Narrative Report Page \| 21 May 19, 2026

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *90* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |
| *Loans In Report:* |  | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **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 (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** | **Full Diligence ID** |
| 1 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -2.13% | XX | 2.800 | 97.20 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 | 43B179D0-F0C4-41AC-991B-3D3F3C95FC2E |
| 2 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -0.05% | XX | 2.410 | 97.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | 66EF030C-4BD2-4DAB-8599-48A642857D0D |
| 3 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -2.32% | XX | 4.010 | 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% | 1 | C41CD18A-F512-4BC5-BDBA-1391E1B890BB |
| 4 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | 5BB2A6DC-1684-42A1-A30F-DA23B948E156 |
| 5 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -0.48% | XX | 2.890 | 97.10 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | BCDFE902-A704-48DF-B100-831B32A833DB |
| 6 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -3.76% | XX | 2.900 | 97.20 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | 41C25D2D-D605-43E1-B766-01B6ABEC70A1 |
| 7 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | CCCA2DA2-0542-43BC-89DA-614A1D64B694 |
| 8 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | 8C207089-8995-48AE-9372-520BFFC1F03E |
| 9 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | 9/XX/2025 | XX | XX | -1.03% | XX | 1.580 | 98.40 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | 4C2E4963-020E-4A80-A29F-DE5666F69613 |
| 10 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 5.58% | XX | 11.100 | 88.94 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | 0FBB8A4F-4CFA-49A0-A738-7CB4F93736A7 |
| 11 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | D2F32058-B2D4-4C7D-BEAA-11B0609BC5BE |
| 12 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -6.52% | XX | 3.030 | 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% | 1 | 971CC9E8-F001-4DBB-AF22-CBF566124421 |
| 13 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 2.49% | XX | 8.210 | 91.80 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | B31CD0A0-D330-44F4-A584-587CAD0E1BB1 |
| 14 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -3.84% | XX | 3.760 | 96.20 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | 48951465-A216-4A4C-BAFA-21F017879F07 |
| 15 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.00% | XX | 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) | C165EB25-1231-4A72-A87D-D80992B91DB3 |
| 16 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | 9/XX/2025 | XX | XX | -35.80% | XX | 9.500 | 90.50 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | 4DF89CCC-76B3-45CE-8B4E-1B08DE2A01F3 |
| 17 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -9.57% | XX | 6.040 | 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% | 1.7 | B2D1B195-558F-48BC-B028-356272D74B08 |
| 18 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 3.78% | XX | 8.600 | 91.40 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | 6641A769-D156-4E6F-815B-E12024AFE483 |
| 19 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -24.76% | XX | 61.000 | 39.00 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | BF4713E6-FFE9-4B30-827F-9A8CDEAE8CDB |
| 20 | XX |  | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.01% | XX | 3.010 | 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% | 2.4 | A40EB5AC-4417-43C0-8D51-A566094D952C |
| 21 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | 9/XX/2025 | XX | XX | -22.79% | XX | 12.560 | 87.40 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | 7B543234-6F13-4CD5-8E9C-4AD8FA2B10FB |
| 22 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.02% | XX | 5.060 | 94.90 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | 142051B9-9173-49D3-B73F-941439C455DC |
| 23 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 9.61% | XX | 12.700 | 87.30 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | 0DEB1279-3372-4D40-AF69-CAF7AA3241C4 |
| 24 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -4.03% | XX | 3.200 | 96.80 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 2F1AA3AC-DC2D-4256-AD72-3972916ECDA2 |
| 25 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.00% | XX | 3.400 | 96.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | 3E9814DA-B2A9-490A-BF7C-719DEDAC9492 |
| 26 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | 8CF1DEC5-AD4B-4A02-AB5F-6FFD0D288BC3 |
| 27 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -6.33% | XX | 2.690 | 97.30 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | 5F646C29-32FA-4344-8306-D535636157F7 |
| 28 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -0.38% | XX | 3.210 | 96.80 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 | B7CBC7B9-BDB1-4C63-9959-6E38DA6D3B3F |
| 29 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -24.12% | XX | 12.300 | 87.70 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | 84AD23A4-A7B8-4259-9847-EB7C06664187 |
| 30 | XX |  | XX | XX | XX | 08/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 12.68% | XX | 16.200 | 83.80 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 11/XX/2025 | XX | XX | 7.48% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 31 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -37.61% | XX | 11.300 | 88.70 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | XX |
| 32 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -7.06% | XX | 5.400 | 94.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 33 | XX |  | XX | XX | XX | 05/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -23.26% | XX | 16.950 | 83.10 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | XX |
| 34 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.00% | XX | 3.400 | 96.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 35 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.14% | XX | 5.400 | 94.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 36 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | 9/XX/2025 | XX | XX | -0.87% | XX | 3.280 | 96.70 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 37 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | 9/XX/2025 | XX | XX | -5.52% | XX | 17.060 | 82.90 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 11/XX/2025 | XX | XX | 4.70% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 38 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -19.95% | XX | 8.900 | 91.10 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 39 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | XX | -0.09% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XX |
| 40 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.01% | XX | 4.200 | 95.80 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 41 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 42 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -2.14% | XX | 6.700 | 93.30 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 43 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XX |
| 44 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | $0.00 | $0.00 | -100.00% | $0.00 | $0.00 | 0.00% | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 45 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 18.46% | XX | 9.380 | 90.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 | XX |
| 46 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -3.75% | XX | 4.140 | 95.90 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 | XX |
| 47 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.00% | XX | 2.400 | 97.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 48 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -0.96% | XX | 3.400 | 96.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 49 | XX |  | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -29.42% | XX | 12.900 | 87.10 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XX |
| 50 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.03% | XX | 6.300 | 93.70 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 51 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 52 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 53 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 4.55% | XX | 7.100 | 92.90 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 54 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -1.04% | XX | 5.400 | 94.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 55 | XX |  | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -4.35% | XX | 6.070 | 93.90 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 56 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -15.24% | XX | 9.500 | 90.50 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 57 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -3.12% | XX | 1.680 | 98.30 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 58 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -3.69% | XX | 9.200 | 90.80 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 59 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -24.78% | XX | 7.290 | 92.70 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | XX |
| 60 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -8.44% | XX | 3.400 | 96.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 61 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | XX |
| 75 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 76 | XX | XX | XX | XX | XX | 12/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 1/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 78 | XX | XX | XX | XX | XX | 02/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 92 | XX | XX | XX | XX | XX | 02/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | XX | -9.76% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 100 | XX | XX | XX | XX | XX | 01/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 105 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 112 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 114 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | XX | -3.85% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 119 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 122 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 123 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 124 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 125 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 3/XX/2026 | XX | XX | 1.30% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 129 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 130 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 131 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 135 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 136 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 139 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 144 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 145 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 150 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 153 | XX | XX | XX | XX | XX | 04/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 154 | XX | XX | XX | XX | XX | 02/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | XX | -2.02% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 156 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 157 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 158 | XX | XX | XX | XX | XX | 02/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 2/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 159 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 163 | XX | XX | XX | XX | XX | 01/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | XX | $0.00 | 0.00% |  |  |  | 2/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |

---

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

**ATR QM Upload**

<br> *Loans in Report:* *90*

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 |
| Marketing ID | **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Full Diligence ID** |
| 1 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Site Condo | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.6462 | No | No | 2.301 | (No Data) | No | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.21 | 0 | 47.21 | 47.21 | 47.21 | (No Data) | (No Data) | (No Data) | 12007.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 26 | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 26 months | Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 2 | XX | XX | (No Data) | XX | PA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.5574 | No | No | 0.413 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.87 | 45.58 | 48.87 | 45.58 | 45.58 | 45.58 | No | No | (No Data) | 34362.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | 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) - 36 months;<br> Paystub - 2 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) | XX |
| 3 | XX | XX | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.3750 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.68 | 0 | 33.68 | 33.68 | 33.68 | (No Data) | (No Data) | (No Data) | 22106.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 4 | XX | XX | (No Data) | XX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.63 | 0 | 38.63 | 38.63 | 38.63 | (No Data) | (No Data) | (No Data) | 9088.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 5 | XX | XX | (No Data) | XX | TN | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | Permanent Resident Alien | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.1601 | No | No | 1.536 | 1.528 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.68 | 48.26 | 48.68 | 48.26 | 48.26 | 48.26 | No | No | (No Data) | 9016.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | XX |
| 6 | XX | XX | (No Data) | XX | OR | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8092 | No | No | 1.439 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.02 | 47.02 | 47.02 | 47.02 | 47.02 | 47.02 | No | No | (No Data) | 7099.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No 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 | 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> W2 - 24 months;<br> Written VOE - 30 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 7 | XX | XX | (No Data) | XX | DE | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8487 | Yes | Yes | 1.568 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.32 | 37.77 | 38.32 | 37.77 | 37.77 | 37.77 | No | No | (No Data) | 7791.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 8 | XX | XX | (No Data) | XX | WA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | 7.4717 | Yes | Yes | 1.618 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.91 | 38.91 | 38.91 | 38.91 | 38.91 | 38.91 | No | No | (No Data) | 21054.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 28 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 9 | XX | XX | (No Data) | XX | AZ | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 8.0864 | No | No | 0.624 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.41 | 43.96 | 45.41 | 43.96 | 43.96 | 43.96 | No | No | (No Data) | 8664.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 29 months | 1099 - 12 months;<br> Award Letter - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 10 | XX | XX | (No Data) | XX | NH | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.9344 | No | No | 0.425 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.89 | 47.89 | 47.89 | 47.89 | 47.89 | 47.89 | No | No | (No Data) | 6079.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 11 | XX | XX | (No Data) | XX | AZ | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | 5.6505 | Yes | Yes | 0.483 | 1.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.18 | 13.18 | 13.18 | 13.18 | 13.18 | 13.18 | No | No | (No Data) | 16213.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 12 | XX | XX | (No Data) | XX | NJ | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0161 | No | No | 0.152 | 0.152 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.19 | 47.24 | 47.19 | 47.24 | 47.24 | 47.24 | No | No | (No Data) | 16441.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | 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) | 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) | Yes | FMNA 1005 | 30 | Yes | Independent Third Party (The Work Number, Equifax etc) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 0 | 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 | 0 | No | (No Data) | Yes | 0 | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | Award Letter - 0 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | W2 - 24 months;<br> Written VOE - 30 months | Award Letter - 0 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | Award Letter - 0 months;<br> CPA Letter without Income - 0 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 13 | XX | XX | (No Data) | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.64 | 0 | 38.64 | 38.64 | 38.64 | (No Data) | (No Data) | (No Data) | 12964.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 14 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 17.28 | 0 | 17.28 | 17.28 | 17.28 | (No Data) | (No Data) | (No Data) | 3868.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 15 | XX | XX | (No Data) | XX | NC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0260 | Yes | Yes | 0.181 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43 | 41.44 | 43 | 41.44 | 41.44 | 41.44 | No | No | (No Data) | 14667.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No 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) | 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) | Paystub - 1 months;<br> W2 - 12 months | 1099 - 12 months;<br> Award Letter - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 16 | XX | XX | (No Data) | XX | TN | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (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 | Yes | 1 | 6.9562 | No | No | 0.476 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | No | No | (No Data) | 28214.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Paystub - 1 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 17 | XX | XX | (No Data) | XX | AL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1929 | Yes | Yes | 0.431 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.12 | 20.44 | 22.12 | 20.44 | 20.44 | 20.44 | No | No | (No Data) | 30028.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 18 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1126 | Yes | Yes | 0.927 | 0.900 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.47 | 37.76 | 38.47 | 37.76 | 37.76 | 37.76 | No | No | (No Data) | 6955.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 19 | XX | XX | (No Data) | XX | ID | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.8750 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 1.92 | 0 | 1.92 | 1.92 | 1.92 | (No Data) | (No Data) | (No Data) | 176012.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 20 | XX | XX | (No Data) | XX | RI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.9900 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.45 | 0 | 28.45 | 28.45 | 28.45 | (No Data) | (No Data) | (No Data) | 13910.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 21 | XX | XX | (No Data) | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 13.75 | 0 | 13.75 | 13.75 | 13.75 | (No Data) | (No Data) | (No Data) | 15513.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 118 | Yes | Independent Third Party (The Work Number, Equifax etc) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 118 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 22 | XX | XX | (No Data) | XX | SC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | 6.9690 | Yes | Yes | 0 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.39 | 39.39 | 39.39 | 39.39 | 39.39 | 39.39 | No | No | (No Data) | 16578.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 23 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.83 | 0 | 42.83 | 42.83 | 42.83 | (No Data) | (No Data) | (No Data) | 12733.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | XX |
| 24 | XX | XX | (No Data) | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.8751 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.97 | 0 | 38.97 | 38.97 | 38.97 | (No Data) | (No Data) | (No Data) | 9924.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | No | Full Recourse | (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) | Yes | 12 | 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 | Independent Third Party (The Work Number, Equifax etc) | 48 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Paystub - 1 months;<br> Written VOE - 48 months | Business Tax Return - 12 months;<br> CPA Letter - 156 months;<br> IRS Transcripts – Tax Return(s) - 12 months | CPA Letter - 156 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 25 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.68 | 0 | 31.68 | 31.68 | 31.68 | (No Data) | (No Data) | (No Data) | 7543.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 0 | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 0 months;<br> Business Tax Return - 12 months;<br> Personal Tax Return - 24 months | Award Letter - 0 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 26 | XX | XX | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.12 | 0 | 28.12 | 28.12 | 28.12 | (No Data) | (No Data) | (No Data) | 37049.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 27 | XX | XX | (No Data) | XX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.3750 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.43 | 0 | 39.43 | 39.43 | 39.43 | (No Data) | (No Data) | (No Data) | 12595.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 28 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5012 | Yes | Yes | 0.012 | 0.012 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.53 | 38.53 | 38.53 | 38.53 | 38.53 | 38.53 | No | No | (No Data) | 16354.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 29 | XX | XX | (No Data) | XX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.9900 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.08 | 0 | 34.08 | 34.08 | 34.08 | (No Data) | (No Data) | (No Data) | 18725.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 12 months;<br> Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 30 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.3750 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.08 | 0 | 39.08 | 39.08 | 39.08 | (No Data) | (No Data) | (No Data) | 12927.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 31 | XX | XX | (No Data) | XX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.98 | 0 | 21.98 | 21.98 | 21.98 | (No Data) | (No Data) | (No Data) | 60439.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | 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) - 24 months;<br> P & L - 7 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 32 | XX | XX | (No Data) | XX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.71 | 0 | 20.71 | 20.71 | 20.71 | (No Data) | (No Data) | (No Data) | 10067.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 33 | XX | XX | (No Data) | XX | PA | ATR/QM: Exempt | No | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9052 | No | No | 0.087 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 48.93 | 48.22 | 48.93 | 48.22 | 48.22 | 48.22 | (No Data) | (No Data) | (No Data) | 4660.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 34 | XX | XX | (No Data) | XX | CO | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | 6.7126 | Yes | Yes | 2.43 | 2.430 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.62 | 26.62 | 26.62 | 26.62 | 26.62 | 26.62 | No | No | (No Data) | 13577.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 35 | XX | XX | (No Data) | XX | MN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 8.3161 | No | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.99 | 0 | 48.99 | 48.99 | 48.99 | (No Data) | (No Data) | (No Data) | 11937.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 4 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 36 months | Paystub - 4 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 36 | XX | XX | (No Data) | XX | OR | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 6.4230 | Yes | Yes | 0.05 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.45 | 36.52 | 34.45 | 36.52 | 36.52 | 36.52 | No | No | (No Data) | 8710.25 | Yes | 360 | Yes | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | 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;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 37 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.91 | 0 | 28.91 | 28.91 | 28.91 | (No Data) | (No Data) | (No Data) | 12193.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 29 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 38 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.5244 | No | No | 1.244 | 2.007 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.34 | 44.21 | 45.34 | 44.21 | 44.21 | 44.21 | No | No | (No Data) | 6349.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 39 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.46 | 0 | 20.46 | 20.46 | 20.46 | (No Data) | (No Data) | (No Data) | 66459.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | 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;<br> Personal Tax Return - 12 months | IRS Transcripts – Tax Return(s) - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 40 | XX | XX | (No Data) | XX | ME | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.0244 | Yes | No | 0.244 | 0.244 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.03 | 42.42 | 45.03 | 42.42 | 42.42 | 42.42 | No | No | (No Data) | 11983.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No 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) | 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) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Award Letter - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 41 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.87 | 0 | 26.87 | 26.87 | 26.87 | (No Data) | (No Data) | (No Data) | 23167.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 42 | XX | XX | (No Data) | XX | CT | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 7.1385 | Yes | Yes | 0.526 | 0.552 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.86 | 42.86 | 42.86 | 42.86 | 42.86 | 42.86 | No | No | (No Data) | 14285.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 43 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1910 | Yes | Yes | 0.653 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.82 | 22.79 | 22.82 | 22.79 | 22.79 | 22.79 | No | No | (No Data) | 10233.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 44 | XX | XX | (No Data) | XX | RI | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (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 | 6.6814 | Yes | Yes | 0.33 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37 | 37.1 | 37 | 37.1 | 37.1 | 37.1 | No | No | (No Data) | 35234.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 45 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 6.9665 | Yes | Yes | 0.697 | 0.697 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.58 | 41.58 | 41.58 | 41.58 | 41.58 | 41.58 | No | No | (No Data) | 9971.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | W2 - 24 months;<br> Written VOE - 24 months | Award Letter - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 46 | XX | XX | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.13 | 0 | 29.13 | 29.13 | 29.13 | (No Data) | (No Data) | (No Data) | 3322.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | 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) | 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 - 2 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 47 | XX | XX | (No Data) | XX | SC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 6.7162 | Yes | Yes | 2.569 | 2.569 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.89 | 35.89 | 35.89 | 35.89 | 35.89 | 35.89 | No | No | (No Data) | 8222.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No 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) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 48 | XX | XX | (No Data) | XX | TN | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9321 | No | No | 0.323 | 0.467 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.82 | 47.64 | 47.82 | 47.64 | 47.64 | 47.64 | No | No | (No Data) | 8170.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 49 | XX | XX | (No Data) | XX | IA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9448 | Yes | Yes | 0.497 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.52 | 39.23 | 39.52 | 39.23 | 39.23 | 39.23 | No | No | (No Data) | 3669.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 50 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 6.6442 | Yes | Yes | 0.811 | 0.811 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.02 | 33.56 | 33.02 | 33.56 | 33.56 | 33.56 | No | No | (No Data) | 16068.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No 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) | 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;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 51 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.18 | 0 | 48.18 | 48.18 | 48.18 | (No Data) | (No Data) | (No Data) | 10144.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 52 | XX | XX | (No Data) | XX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.08 | 0 | 49.08 | 49.08 | 49.08 | (No Data) | (No Data) | (No Data) | 5733.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | Award Letter - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 53 | XX | XX | (No Data) | XX | ID | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.27 | 0 | 36.27 | 36.27 | 36.27 | (No Data) | (No Data) | (No Data) | 7354.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 12 months;<br> Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 54 | XX | XX | (No Data) | XX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.7500 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.61 | 0 | 42.61 | 42.61 | 42.61 | (No Data) | (No Data) | (No Data) | 18077.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 55 | XX | XX | (No Data) | XX | IN | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | 7.2342 | No | No | 0.942 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.85 | 45.24 | 45.85 | 45.24 | 45.24 | 45.24 | No | No | (No Data) | 7346.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | 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) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 56 | XX | XX | (No Data) | XX | DE | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3651 | No | No | 0.571 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.9 | 45.98 | 45.9 | 45.98 | 45.98 | 45.98 | No | No | (No Data) | 3804.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 57 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | 6.9906 | Yes | Yes | 0.606 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.65 | 31.65 | 31.65 | 31.65 | 31.65 | 31.65 | No | No | (No Data) | 7127.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 58 | XX | XX | (No Data) | XX | AZ | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9072 | Yes | Yes | 0.68 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.65 | 21.8 | 23.65 | 21.8 | 21.8 | 21.8 | No | No | (No Data) | 11864.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No 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) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 59 | XX | XX | (No Data) | XX | AK | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4366 | Yes | Yes | 0.786 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.33 | 28.31 | 28.33 | 28.31 | 28.31 | 28.31 | No | No | (No Data) | 7755.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 60 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | Yes | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.1987 | Yes | Yes | 0.547 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 30.14 | 33.57 | 30.14 | 33.57 | 33.57 | 33.57 | (No Data) | (No Data) | (No Data) | 7769.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 61 | XX | XX | (No Data) | XX | VA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 6.7232 | Yes | Yes | 0.596 | 0.596 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.37 | 21.29 | 20.37 | 21.29 | 21.29 | 21.29 | No | No | (No Data) | 17639.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 75 | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9076 | Yes | Yes | 0.218 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.13 | 40.52 | 39.13 | 40.52 | 40.52 | 40.52 | Yes | Yes | Yes | 13122.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 76 | XX | XX | XX | XX | AZ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6080 | Yes | Yes | 3.973 | 3.973 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.98 | 24.64 | 15.98 | 24.64 | 24.64 | 24.64 | No | No | (No Data) | 12169.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 78 | XX | XX | XX | XX | MA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7383 | Yes | Yes | 2.719 | 2.724 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.02 | 10.54 | 10.02 | 10.54 | 10.54 | 10.54 | No | No | (No Data) | 36184.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 92 | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1927 | No | No | 0.477 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.81 | 0 | 44.81 | 44.81 | 44.81 | (No Data) | (No Data) | (No Data) | 34885.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | Yes | 24 | Yes | 24 | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 100 | XX | XX | XX | XX | FL | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7583 | Yes | Yes | 1.314 | 1.314 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.53 | 40.96 | 42.53 | 40.96 | 40.96 | 40.96 | No | No | (No Data) | 20843.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | XX |
| 105 | XX | XX | XX | XX | NH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4226 | Yes | No | 0.353 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 35.61 | 0 | 35.61 | 35.61 | 35.61 | (No Data) | (No Data) | (No Data) | 14491.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 1 months;<br> Verbal VOE with Income - 48 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 112 | XX | XX | XX | XX | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1594 | Yes | No | 2.588 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.71 | 0 | 40.71 | 40.71 | 40.71 | (No Data) | (No Data) | (No Data) | 3404.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 114 | XX | XX | XX | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3146 | No | No | 3.111 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4721.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 850.00 | No | (No Data) | 1.0596 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 119 | XX | XX | XX | XX | GA | QM: Safe Harbor (APOR) | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX | Permanent Resident Alien | Permanent Resident Alien | (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 | 6.1937 | Yes | Yes | 0.69 | 0.690 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.1 | 39.27 | 39.1 | 39.27 | 39.27 | 39.27 | No | No | (No Data) | 13719.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) | XX |
| 122 | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0166 | Yes | Yes | 0.091 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.86 | 37.62 | 42.86 | 37.62 | 37.62 | 37.62 | No | No | (No Data) | 22614.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 123 | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1309 | No | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.89 | 46.06 | 42.89 | 46.06 | 46.06 | 46.06 | Yes | Yes | Yes | 15471.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 124 | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (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 | 6.3696 | Yes | Yes | 1.095 | 1.095 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.21 | 0 | 21.21 | 21.21 | 21.21 | No | No | (No Data) | 47626.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 125 | XX | XX | XX | XX | UT | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2372 | No | No | 0.176 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.06 | 48.06 | 48.06 | 48.06 | 48.06 | 48.06 | No | No | (No Data) | 16143.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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 | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 3 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 129 | XX | XX | XX | XX | MS | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (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 | 8.3437 | No | No | 1.546 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5957.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.5220 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 130 | XX | XX | XX | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2835 | Yes | No | 2.435 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 16.4 | 0 | 16.4 | 16.4 | 16.4 | (No Data) | (No Data) | (No Data) | 38888.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 131 | XX | XX | XX | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2830 | Yes | No | 2.435 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 17.14 | 0 | 17.14 | 17.14 | 17.14 | (No Data) | (No Data) | (No Data) | 38778.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 135 | XX | XX | XX | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (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 | 8.7446 | No | No | 2.214 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14489.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.2660 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 136 | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8944 | Yes | Yes | 1.388 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.7 | 38.48 | 40.7 | 38.48 | 38.48 | 38.48 | Yes | Yes | Yes | 14650.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 139 | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2139 | Yes | Yes | 0.41 | 0.410 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.98 | 41.06 | 40.98 | 41.06 | 41.06 | 41.06 | No | No | (No Data) | 11081.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 144 | XX | XX | XX | XX | AR | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0053 | Yes | Yes | 0.337 | 0.337 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.23 | 19.34 | 20.23 | 19.34 | 19.34 | 19.34 | No | No | (No Data) | 35564.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) | XX |
| 145 | XX | XX | XX | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 20% of OPB if amt prepd in 12 mos is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.4437 | No | No | 18.338 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -25500.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 150 | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1456 | No | No | 2.489 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 45.85 | 0 | 45.85 | 45.85 | 45.85 | (No Data) | (No Data) | (No Data) | 14682.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 153 | XX | XX | XX | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4151 | No | No | 0.258 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.84 | 0 | 48.84 | 48.84 | 48.84 | (No Data) | (No Data) | (No Data) | 21271.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statement for Retirement Income - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 154 | XX | XX | XX | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.8140 | Yes | No | 1.32 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.45 | 0 | 26.45 | 26.45 | 26.45 | (No Data) | (No Data) | (No Data) | 31805.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 156 | XX | XX | XX | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6972 | No | No | 0.64 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.94 | 0 | 48.94 | 48.94 | 48.94 | (No Data) | (No Data) | (No Data) | 9548.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 157 | XX | XX | XX | XX | MO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9334 | No | No | 1.542 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5832.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.2820 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 158 | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7241 | Yes | No | 2.623 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.79 | 0 | 36.79 | 36.79 | 36.79 | (No Data) | (No Data) | (No Data) | 22608.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 159 | XX | XX | XX | XX | CO | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 6.8044 | Yes | Yes | 0.065 | 0.065 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.16 | 20.64 | 28.16 | 20.64 | 20.64 | 20.64 | No | No | (No Data) | 78261.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 163 | XX | XX | XX | XX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.4122 | Yes | No | 4.206 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.19 | 0 | 19.19 | 19.19 | 19.19 | (No Data) | (No Data) | (No Data) | 53561.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 36 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *90* |
| ***Loans with Conditions:*** | *33* |

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **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** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** | **Full Diligence ID** |
| 1 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 18 years 5 moths at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 69.64% below program maximum 85.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 31 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $436,889.58. AUS required reserves $20,892.84. | XX |
| 2 | XX | XX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 688 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $337,781.07 or 71.42 months PITIA; per AUS guidelines funds required to close $74,205.54 and reserves of $41,916.84. Total funds to be verified $116,122.38. | XX |
| 3 | XX | XX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit limits @ 3.37%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $64,612.74 (21.27 months PITIA reserves) > min reserves required of $24,325.22 | XX |
| 4 | XX | XX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid score > min required of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x82 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $156,844.25 (55.18 months PITIA reserves) > min reserves required of $17,052.93 (6 months) | XX |
| 5 | XX | XX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63% is below guideline requirement of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required; verified $65,914.13 in post close assets. | XX |
| 6 | XX | XX | OR | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | DU approve/ Eligible with PIW in file | (No Data) | Condition satisfied with receipt of AVM supporting PIW value within 10%. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $34,619.38 or 10.25 months PITIRequired reserves are $6,752.38<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years. | XX |
| 6 | XX | XX | OR | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Natural Disaster Area, no subsequent inspection (Public). Loan Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration date 9/XX/20 and AUS approval7/XX/25. | 10/31 Client provided a 10/16 Post disaster inspection showing no damage since the FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $34,619.38 or 10.25 months PITIRequired reserves are $6,752.38<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years. | XX |
| 7 | XX | XX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 24 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 28 years. | XX |
| 8 | XX | XX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of797 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of72.893 is below the maximum allowable of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of38.91 is below the maximum allowable 50%. | XX |
| 9 | XX | XX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of780 is above the required620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of78.736 is below the maximum allowable of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of43.96 is below the maximum allowable 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $22,974.47 or 9.52 months of PITIA. 2 months required. | XX |
| 10 | XX | XX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 804 exceeds the guideline program minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV below guideline requirements of 90% per program. | XX |
| 11 | XX | XX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 783 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 32 years. | XX |
| 12 | XX | XX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence of the monthly HOA fees for the XX REO. | Client provided HOA statement reflecting $264.00 a month. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B3 and B4 have been in current residence 42 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $345,878.92 or 68.44 months exceeds the required reserves of $16,020.70 or 3.16 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been employed 13 years, 11 months. | XX |
| 13 | XX | XX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.51% LTV below guideline requirements of 75% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 685 exceeds the guideline program minimum of 620. | XX |
| 14 | XX | XX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35% is below guideline requirement of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.28% is below guideline requirement of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are $16,904.39; verified post close assets of $18,005.66. | XX |
| 15 | XX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | PIW on the LP for $XX value. | (No Data) | Condition satisfied with receipt of AVM supporting PIW value. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $307,758.81 or 70.15 months. The required reserves are $3,015.34 or 0.69 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B has been working in field for 39 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the guideline maximum of 90%. | XX |
| 15 | XX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No PDI in the file for disaster XX effective 10/XX/24. | 10/26 Client provided a post disaster inspection dated 10/16 showing no damage since FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $307,758.81 or 70.15 months. The required reserves are $3,015.34 or 0.69 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B has been working in field for 39 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below the guideline maximum of 90%. | XX |
| 16 | XX | XX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported within 10%. Appraised value $XX0: $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 49 years | XX |
| 17 | XX | XX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 22%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: The borrowers have no late payments on the mortgage history. | XX |
| 18 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 779 exceeds guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of37.76 is below guideline requirement of 45%. | XX |
| 19 | XX | XX | ID | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Max FSD 15; subject FSD 61 | Client provided desk review supporting OA with 0% variance. | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 50 mos. 0x30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 19 years 11 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $21,299.71 exceed LP AUS required reserves $10,874.34. | XX |
| 19 | XX | XX | ID | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported with 10%. Original appraised value $XX; AVM $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 50 mos. 0x30<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 19 years 11 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 60.00% below program maximum 85.00%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves $21,299.71 exceed LP AUS required reserves $10,874.34. | XX |
| 20 | XX | XX | RI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 797 above minimum of 640<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.45% DTI below max of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post reserves 137500.09 | XX |
| 21 | XX | XX | VA | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported - AVM value $XX; Appraised value $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $24,891.45 or 11.9 months PITI. Required Reserves are $13,586.63<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 13.75% is below DTI 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 in same field for 10 years | XX |
| 22 | XX | XX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 807 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59% is below guideline requirement of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are $18,415.22. Verified post close assets of $110,207.70. | XX |
| 23 | XX | XX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 exceeds guideline of 620.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts or late payments reflected on the credit report in the last 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $347,409.56 in post close assets or 137.55 months PITI reserves. | XX |
| 24 | XX | XX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 779 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $119,076.05 or 43.56 months PITIA; per AUS guidelines funds required is reserves of $26,555.34. | XX |
| 25 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence 12 years, 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $100,503.66 or 33.28 months exceeds the required reserves of $31,811.63 or 12.85 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 32.27% exceeds the guideline maximum of 75%. | XX |
| 26 | XX | XX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at employer for over 40 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.74%; guidelines allow 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 37%; guidelines allow 75% | XX |
| 27 | XX | XX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 41% is below guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required - $17,241.90; verified post close assets of $167,529.18. | XX |
| 28 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 780 exceeds guideline of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48% exceeds guideline requirement of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves are required. Verified post close assets of $1,007,407.09. | XX |
| 29 | XX | XX | NJ | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing the mortgage statement for the primary residence from XX to show taxes and insurance are included in the payment. | Client provided mortgage statement from XX reflecting taxes and insurance escrowed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at the current residence over 25 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 20 years and B2 has been in the same profession for 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 19.70%. Max 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 793. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $31,919.14 or 10.41 months PITI. Required PITI reserves are $18,707.72 | XX |
| 29 | XX | XX | NJ | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing the Homeowners insurance dated before the loan disbursement of 8/XX/2025. Insurance provided has an effective date of 8/XX/2025 | Client provided HOI policy period of 8/XX/204-8/XX/2025. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at the current residence over 25 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 20 years and B2 has been in the same profession for 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 19.70%. Max 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 793. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $31,919.14 or 10.41 months PITI. Required PITI reserves are $18,707.72 | XX |
| 29 | XX | XX | NJ | (No Data) | ATR/QM: Exempt D C | A | A D B C | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported within 10%. Appraised value $XX; AVM $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at the current residence over 25 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 20 years and B2 has been in the same profession for 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 19.70%. Max 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 793. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $31,919.14 or 10.41 months PITI. Required PITI reserves are $18,707.72 | XX |
| 30 | XX | XX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD score 16.20 outside the approved variance of 15. | 11/11 Client provided a BPO supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV below guideline requirements of 70% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $83,988.56 or 19.88 months PITI , Required PITI Reserves are $42,463.74.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 803 exceeds the guideline program minimum of 620. | XX |
| 31 | XX | XX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 801; minimum 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Ltv 58%; guidelines allow 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.47%; guidelines allow 45% | XX |
| 32 | XX | XX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 791 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $59,785.24 or 22.31 months PITI , Required PITI Reserves are $16,080.75. | XX |
| 33 | XX | XX | PA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM recent FSD score of 16.95% is above the approved variance of 15%. | Client provided desk review supporting OA with 0% variance. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 55.75% is 14.25 points below the program guideline maximum 70%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower have no late payments on the mortgage history. | XX |
| 33 | XX | XX | PA | (No Data) | ATR/QM: Exempt D | A | A D B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported with 10%. Appraised value $XX; AVM $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 55.75% is 14.25 points below the program guideline maximum 70%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower have no late payments on the mortgage history. | XX |
| 34 | XX | XX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55.23%; guidelines allow 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26%; guidelines allow 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employer for 30 years | XX |
| 35 | XX | XX | MN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x124 months (via combined mortgage histories)<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit lines @ 23.48%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $51,570.52 (10.57 months PITIA reserves) > min reserves required of $36,019.00 | XX |
| 36 | XX | XX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of801 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.818 is below the maximum allowable of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.52 is below the maximum allowable 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $758,951.31 or 324.06 months of PITIA. 2 months required. | XX |
| 37 | XX | XX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | MAX FSD score 15: AVM FSD score 17 | 11/11 Client provided a BPO supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of798 is above the required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of59.78 is below the maximum allowable of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of28.91 is below the maximum allowable 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $453,444.07 or 162.87 months of PITIA. 6 months required. | XX |
| 38 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing income documents supporting income $XX | 11/4 Client provided the following asset depletion calculation asset depletion $1164546.29 - 514.36 x 70% / 240 months - $3395; with supporting assets in file | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 56.58% max per guidelines is 85%. | XX |
| 39 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 10.75 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit lines @ 13.07%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $67,410.76 (27.83 months PITIA reserves) > min required reserves of $39,495.34<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.46% DTI < maximum AUS permitted of 50% | XX |
| 40 | XX | XX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | Loan is PIW approved. | (No Data) | Condition satisfied with receipt of AVM supporting PIW value with 0% variance. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67.143%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employer for over 9years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $181,476.31 or 52.89 months of PITIA. AUS Reserves Required $10,816. | XX |
| 40 | XX | XX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Loan Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration date 5/XX/24 and AUS approval 8/XX/25. | 10/26 Client provided a post disaster inspection dated 10/16 showing no damage since FEMA event | satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67.143%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employer for over 9years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $181,476.31 or 52.89 months of PITIA. AUS Reserves Required $10,816. | XX |
| 41 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 811 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is below guideline requirement of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.83% is below guideline requirement of 45%. | XX |
| 42 | XX | XX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | PIW is not allowed based on LPA under Property and Appraisal Messages. Page XX. | (No Data) | Condition satisfied with receipt of AVM supported PIW value within 10%. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been self-employed for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $284,971.28 PITIA or 79.59 months in reserves. | XX |
| 42 | XX | XX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster 08/XX/2020- XXX- Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | 10/26 Client provided a post disaster inspection dated 10/16 showing no damage since FEM event | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been self-employed for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $284,971.28 PITIA or 79.59 months in reserves. | XX |
| 43 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 07/XX/2025 was not provided to the borrower within 3 days of the application date of 06/XX/2025 per compliance ease. No initial 1003 in file. | 10/22/25 Client provided the Initial 6/6 HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 15 points below the program guideline maximum 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $149,815.72 or 61.59 months PITI reserves. Required reserves $23,859.90. | XX |
| 43 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Compliance | RESPA | Waived B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 10/22/25 Client provided the COC history and HC List. Condition remains. Provide the Lender's Affiliate Business Disclosure.11/04/2025 Client provided an approved exception request for Required Affiliate Business Disclosure missing | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 15 points below the program guideline maximum 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $149,815.72 or 61.59 months PITI reserves. Required reserves $23,859.90. | XX |
| 43 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Most recent FSD score of 15.28 is outside of approved variance of 15. | 10/22 Client provided a CDA supporting the appraised value with a 0% variance | satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 15 points below the program guideline maximum 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $149,815.72 or 61.59 months PITI reserves. Required reserves $23,859.90. | XX |
| 43 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | An AVM was received which was -10.6045% variance value not supported. | 10/22 Client provided a CDA supporting the appraised value with a 0% variance | Satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 15 points below the program guideline maximum 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $149,815.72 or 61.59 months PITI reserves. Required reserves $23,859.90. | XX |
| 44 | XX | XX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | CDA provided was Indeterminate. Provide Field review | 10/22 Client provided a Field review supporting the appraised value | Satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 54.98%. Max 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 780. Minimum required 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets $448,014.81 or 123.52 months PITI. Required $38,139.66. | XX |
| 45 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57% is below guideline requirement of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is below guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required to be verified. Verified post close assets in the amount of $291,545.27. | XX |
| 46 | XX | XX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.13 DTI below max of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% below max of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 above minimum of 640 | XX |
| 47 | XX | XX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | PIW approved | (No Data) | Condition satisfied with receipt of AVM supporting PIW value with 0% variance. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36%; guidelines allow 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at employer for over 15 years. | XX |
| 47 | XX | XX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | FEMA declaration for XXX XX PIW completed after the disaster. | 10/26 client provided a 10/16 post disaster inspection showing no damage since the FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36%; guidelines allow 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at employer for over 15 years. | XX |
| 48 | XX | XX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 35 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 38 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 734 per guidelines is 620. | XX |
| 49 | XX | XX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 53 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 > is above guideline minimum credit score 620. | XX |
| 49 | XX | XX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported with 10%. Appraised value $XX; AVM value $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 53 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 > is above guideline minimum credit score 620. | XX |
| 50 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C | A | A | Property Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | LP reflect loan approved with PIW. | (No Data) | Condition satisfied with receipt of AVM supporting PIW value with 0% variance. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 15 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 28 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 42.07% max per guidelines is 90%. | XX |
| 50 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since FEMA disaster 7/XX/2023 Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides | 10/26 Client provided a post disaster inspection dated 10/16 showing no damage since FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 15 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 28 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 42.07% max per guidelines is 90%. | XX |
| 51 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 59.38% is 25.62 points below the program guideline maximum 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 791 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $244,300.51 or 51.24 months PITI reserves. Required reserves $64,056.73.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for over 17 years | XX |
| 52 | XX | XX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 26 years time at current job | XX |
| 53 | XX | XX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have been at their current residence for 17 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession over 32 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $287,120.84 or 126.76 months PITI reserves. Required reserves $13,592.34 | XX |
| 54 | XX | XX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 35.61% max per guidelines is 85%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been self-employed for 7 years. | XX |
| 55 | XX | XX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the dame profession over 33 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 54.55%. Max 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 784. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $74,618.15 or 30.12 months PITI reserves. Required reserves $5,311.67 | XX |
| 56 | XX | XX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported within 10%. Appraised value $XX; AVM $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have been at their current residence for 20 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 32 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60%. Max 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 797. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $251,180.50 or 128.59 months PITI reserves. Required $12,368.32 | XX |
| 57 | XX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV below guideline requirements of 90% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 773 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $150,039.81 or 59.92 months PITI , Required PITI Reserves are $4611.76 | XX |
| 58 | XX | XX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | LP PIW.- AVM in process of being ordered. | (No Data) | Condition satisfied with received of AVM supporting PIW Value. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 28 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 59.51% is 15.49 points below the program guideline maximum 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 804. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $123,529.32 or 65.03 months PITI. Required reserves $3,274.00 | XX |
| 58 | XX | XX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | LP PIW dated 3/XX/2025. Effective date of the disaster is dated 9/XX/2014. | 10/26 Client provided a post disaster inspection dated 10/16 showing no damage since FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 28 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 59.51% is 15.49 points below the program guideline maximum 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 804. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $123,529.32 or 65.03 months PITI. Required reserves $3,274.00 | XX |
| 59 | XX | XX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported within 10%. Original appraised value $XX; $XX | Client provided desk review supporting OA with 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided at primary residence for 11+ years<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 99 months | XX |
| 60 | XX | XX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | (No Data) | XX |
| 61 | XX | XX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 20.37%; guidelines allow 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 39%; guidelines allow 90%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at employer for 30 years. | XX |
| 75 | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 5 years on current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have excess reserves above the reserves required for the loan | XX |
| 76 | XX | XX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | The lender's QM determination is missing. | 4.16.2026 Client provided Lender Loan Detail Report (DocMagic) with no QM status however do appear to have Pass for HPML determination, QM ability reflect as NA. Condition remains for Lender QM or Non QM status. Note: DD Firm status is currently Non QM 4/16/2026 client provided email that loan is Non-QM. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 24.64% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 20.33 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 41.40% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 29 months exceeds guidelines of 12 months | XX |
| 78 | XX | XX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | C | A D | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied 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 | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $XX max allowed is $XX; $792.75 too high). | 03/31/2026 Client provided collaborate request: Does the investor want us to lower our fees by $792.80? Please advise. Condition remains as is. There is no refund allowed to cure the exception.04/08/2026 Client provided XX QM testing listing excluded Title fees. Condition remains. Fees listed on Final CD to Affiliate on the ABD should be included in this testing and Non-QM. 04/10/2026 Client provided Affidavit of no Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 752 > is above guideline minimum credit score 700. | XX |
| 78 | XX | XX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | C | A D | C | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing the Notice to Borrower: Ability to Repay Disclosure and Borrowers Affirmation of Information provided to Establish ATR | 3/31/2026 client provided ATR disclosure and affirmation. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 752 > is above guideline minimum credit score 700. | XX |
| 92 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 62.20% is 17.8 points below the program guideline maximum 80%. | XX |
| 100 | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 44 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.9 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.96% below guideline requirement of 50% | XX |
| 105 | XX | XX | NH | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Notice to Borrower: Ability to Repay Disclosure and Borrowers Affirmation of Information provided to Establish ATR. | 4.22.2026 Client provided executed by both Borrowers affirmation of information to establish ATR and executed Notice to Borrower ATR disclosure | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 766 > is above guideline minimum credit score 720.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years. | XX |
| 112 | XX | XX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 16.9 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.71% below guideline requirement of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | XX |
| 114 | XX | XX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves verified exceed required reserves<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history | XX |
| 119 | XX | XX | GA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.27% below guideline requirement of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 13 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.7 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 54.06% below guideline requirements of 85% | XX |
| 122 | XX | XX | FL | 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, 36+ years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 13 years. | XX |
| 123 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material Condition in those Circuits that have not decided on this issue. | 04/09/2026 Client requested clarification. Mortgage is being paid off with the same originating Lender using proceeds from the subject loan. Same Lender Refinances should be on an H-9 ROR form and they disclosed on an incorrect H-8 ROR form. Re-open rescission on H9 form for both expiration dated allowing for delivery date, LOE to Borrower and evidence of delivery via tracking. Loan remains an active 2/B.04/09/2026 Client provided H9 forms that were also signed at closing with the H8 forms. Condition remains. Due to both forms signed at the same time. provide Re-open rescission on H9 form for both expiration dated allowing for delivery date, LOE to Borrower and evidence of delivery via tracking. Loan remains an active 2/B. 4/10/2026 client provided an approved exception. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 64%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 26 years on current SE job | XX |
| 123 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | XX Scorecard in file requires 2 years personal and business tax returns. File contains 1 year personal and business tax returns. | 4.3.2026 Client provided copy of 1040 2023 and business returns for: XX and XX however still missing the following: (a) missing lender cash flow income analysis for each self employment income used for qualifying (as listed on 1003), four (4) self employment income used for qualifying and (b). missing Client rental income calculation worksheet, if applicable and (c). 2023 1040 Transcripts and (d). signed dated 2023 1040 along with signed/dated 1065 for both businesses and signed/dated 1120S for these four (4) total businesses, returns provided however not signed dated. Upon receipt and review of requested documentation income to be re-calculated using the 2023 income, in which was missing at initial review of this file. Note: currently DD DTI is 48.70% and Client DTI is 42.90%; income still under review 4.XX.2026 Client provided Lender Cash Flow income Analysis using one year 2024 for all self employment however two years is required to be used for self employment with less than one year: XX and Final 1003 reflect Other - net Rental income for XX for $2,887.50 (unable to duplicate where this calculation is coming from, not reflected on the income calculation worksheet). Condition remains for the following: (a). lender calculation using two year average for 1120S business: XX and (b). Lender to provide calculation used of other income $2,887.50 for XX and (c) signed dated 2023 business returns and (d). missing 2023 1040 transcripts. (2023 1040 Personal was not signed/dated) Note: any income calculation being lessor will require updated 1003/1008 (currently appears two year average for XX is lessor than using one year) and also see P/L condition, appears two business reflect lessor income calculation for end of year 2025 P/L than what is being used for qualifying, provide lender end of year 2025 Profit/Loss calculation for each business. Income has been re-worked on lower income calculation. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 64%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 26 years on current SE job | XX |
| 123 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | XXX Scorecard in file requires a YTD P&L for all business income used to qualify | 4.9.2026 Client provided end of year 2025 P/L for all four (4) businesses used for qualifying however appears two businesses, income used for qualifying is not supported with P/L. Condition remains: (a). provide Lender end of year 2025 P/L income worksheet calculation for each of the four (4) business for review, in addition Lender provided an LOX in Collaborate stating, end of year 2025 P/L for all business income used for qualifying is not required, (b). Response, please clarify program this file was locked/underwritten to. Income has been re-worked to use the lower declining income. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 64%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 26 years on current SE job | XX |
| 123 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | B | B D A | B | B | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | XXX scorecard in file requires a balance sheet for all SE businesses | 4.9.2026 Client provided signed dated end of year 2025 Balance Sheet for all four (4) self employment businesses | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 64%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 26 years on current SE job | XX |
| 124 | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49.79% below guideline requirements of 80% | XX |
| 125 | XX | XX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent 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 | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $151.00 for ten percent tolerance fees.The Lenders Title Insurance and Title Commitment fees increased. These fees were in Section C, but were paid to the Provider on the SPL dated 03/XX/2026. Because of this, they were tested at a 10% tolerance. | 04/20/2026 Client provided PCCD 4/15 with cure, copy of cure check, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 773 > is above guideline minimum credit score 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 76.50% is 13.5 points below the program guideline maximum 90%. | XX |
| 129 | XX | XX | MS | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 38.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | XX |
| 130 | XX | XX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan is missing Ability-to-Repay Underwriting Certification for review. | 4/27 Client provided the ATR Certificate | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower 2 has significant time at current job, 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 759 > is above guideline minimum credit score 720. | XX |
| 131 | XX | XX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The loan is missing a Personal Guaranty Agreement executed at closing. | 4/27 Client provided the executed guarantee | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrowers have positive income from a LLC not used to qualify | XX |
| 135 | XX | XX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | (No Data) | XX |
| 136 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years at current job | XX |
| 139 | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.06% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 12.33 years | XX |
| 144 | XX | XX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 19.34% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 85% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rental/Mortgage payment history of 75 months exceeds guidelines of 12 months | XX |
| 145 | XX | XX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 79% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months | XX |
| 150 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.33 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 82 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.23% below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 79.27% below guideline requirements of 85% | XX |
| 153 | XX | XX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Notice to Borrower: Ability to Repay Disclosure signed by the borrowers | 4/28/2026 client provided ATR disclosure. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.83 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.25 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 80% | XX |
| 154 | XX | XX | SC | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing a Notice to borrower: ATR disclosure; ATR Cert signed by the UW; Borrower's Affirmation of ATR signed by borrowers | 3.25.2026 Client provided executed ATR Underwriting Certification, still now missing: ATR disclosure (signed by all borrowers) and missing Borrower's Affirmation of ATR (signed by all borrowers). 4.2.2026 Client provided executed by both borrowers ATR disclosure and Borrower's Affirmation of ATR | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 25%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 15 years on current job | XX |
| 154 | XX | XX | SC | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | File is missing a CDA to support the appraised value | 4.2.2026 Client provided XX, Appraisal Risk Review dated 3.XX.2026 supporting value of XX Note: ARR valuation review supports value of $XX (which appears to be the Sales Price, appraisal value is $XX Value is supported within 10% tolerance if use appraised value (actual -2.02%), no additional corrections or info requested. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 25%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 15 years on current job | XX |
| 156 | XX | XX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 15 years at current residence | XX |
| 157 | XX | XX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | 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<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 23 months exceeds guidelines of 12 months | XX |
| 158 | XX | XX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 36% | XX |
| 159 | XX | XX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 20.64% below guideline requirement of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 11 years | XX |
| 163 | XX | XX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 75% is 10 points below the program guideline maximum 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 763 > is above guideline minimum credit score 720. | XX |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

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| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *90* |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** | **Full Diligence ID** |
| 1 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.6462 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 2 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 1790 | 6/12/2025 | 7.5574 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 | XX |
| 3 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 4 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 5 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 3830.04 | 7/9/2025 | 7.1601 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XX |
| 6 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 5730 | 7/2/2025 | 7.8092 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 7 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 6585 | 7/15/2025 | 7.8487 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 8 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 11498.9 | 7/15/2025 | 7.4717 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 9 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1692.1 | 7/16/2025 | 8.0864 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 10 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1139.75 | 7/18/2025 | 6.9344 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 11 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1442.9 | 7/21/2025 | 5.6505 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 12 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 905 | 7/22/2025 | 7.0161 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 13 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 14 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 15 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 995 | 7/24/2025 | 7.026 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 16 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 3085 | 7/3/2025 | 6.9562 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 17 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1200 | 7/25/2025 | 7.1929 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 18 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 2374 | 7/29/2025 | 7.1126 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 19 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 20 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 21 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 22 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 0 | 6/25/2025 | 6.969 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 23 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.1251 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 | XX |
| 24 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.8751 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 25 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.625 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 26 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 27 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 28 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 75 | 6/24/2025 | 6.5012 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 29 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 30 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 31 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 32 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 33 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 6.9052 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 34 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 6949 | 7/14/2025 | 6.7126 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 35 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 7/30/2025 | 8.3161 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 36 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 125 | 6/20/2025 | 6.423 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 37 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 38 | XX | QM: Safe Harbor (APOR) | No | XX | 03/26/2025 | Yes | Yes | 3125.12 | 7/15/2025 | 6.5244 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 39 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 40 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1139.75 | 8/8/2025 | 7.0244 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 41 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 42 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1550 | 7/31/2025 | 7.1385 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 43 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1635 | 7/3/2025 | 7.191 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 44 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1499 | 7/9/2025 | 6.6814 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 45 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1790 | 7/17/2025 | 6.9665 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 46 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.5 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 47 | XX | QM: Safe Harbor (APOR) | No | XX | 07/21/2025 | Yes | Yes | 7475 | 7/23/2025 | 6.7162 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 48 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 1230 | 7/11/2025 | 7.9321 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 49 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1195 | 8/11/2025 | 6.9448 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 50 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 2225 | 7/18/2025 | 6.6442 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 51 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 52 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.75 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 53 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 54 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 55 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 2785 | 7/16/2025 | 7.2342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 56 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1300 | 7/16/2025 | 7.3651 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 57 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1545 | 7/30/2025 | 6.9906 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 58 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1640 | 6/26/2025 | 6.9072 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 59 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1790 | 7/17/2025 | 7.4366 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 60 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 5.1987 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 61 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1495 | 8/3/2025 | 6.7232 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 75 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 1939.95 | 3/18/2026 | 6.9076 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13904 | XX |
| 76 | XX | Non-QM: Lender documented all ATR UW factors | No | XX | Not Applicable | No | No | 4740 | 3/31/2026 | 7.608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 78 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 8895.32 | 2/10/2026 | 6.7383 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 92 | XX | ATR/QM: Exempt | No | XX | 02/20/2026 | No | No | 0 | 1/1/1900 | 6.1927 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 100 | XX | QM: Safe Harbor (APOR) | No | XX | 02/23/2026 | No | Yes | 21392.6 | 3/17/2026 | 6.7583 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XX |
| 105 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 6.4226 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 112 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.1594 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 114 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.3146 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 119 | XX | QM: Safe Harbor (APOR) | No | XX | 02/27/2026 | No | Yes | 7295 | 3/2/2026 | 6.1937 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 | XX |
| 122 | XX | Non-QM: Lender documented all ATR UW factors | No | XX | 03/02/2026 | No | No | 799 | 3/3/2026 | 6.0166 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 123 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 0 | 3/12/2026 | 6.1309 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14719.52 | XX |
| 124 | XX | QM: Safe Harbor (APOR) | No | XX | 03/03/2026 | No | Yes | 12960 | 3/3/2026 | 6.3696 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 125 | XX | QM: Safe Harbor (APOR) | No | XX | 03/03/2026 | No | Yes | 2540 | 3/3/2026 | 6.2372 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 129 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 8.3437 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 130 | XX | ATR/QM: Exempt | No | XX | 03/04/2026 | No | No | 0 | 1/1/1900 | 6.2835 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 131 | XX | ATR/QM: Exempt | No | XX | 03/04/2026 | No | No | 0 | 1/1/1900 | 6.283 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 135 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 8.7446 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 136 | XX | QM: Safe Harbor (APOR) | No | XX | 03/09/2026 | No | Yes | 15857.5 | 3/11/2026 | 6.8944 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13635.77 | XX |
| 139 | XX | QM: Safe Harbor (APOR) | No | XX | 03/06/2026 | No | Yes | 1295 | 3/24/2026 | 7.2139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 144 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 2844 | 3/11/2026 | 7.0053 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 | XX |
| 145 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.4437 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 150 | XX | ATR/QM: Exempt | No | XX | 03/12/2026 | Yes | No | 0 | 1/1/1900 | 8.1456 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 153 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.4151 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 154 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.814 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 156 | XX | ATR/QM: Exempt | No | XX | 03/20/2026 | No | No | 0 | 1/1/1900 | 6.6972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 157 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.9334 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 158 | XX | ATR/QM: Exempt | No | XX | 02/27/2026 | No | No | 0 | 1/1/1900 | 7.7241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 159 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 1240 | 3/24/2026 | 6.8044 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 163 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 6.4122 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

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| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *81* |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Full Diligence ID** |
| 1 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 1 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) | XX |
| 1 | XX | XX | Cash Reserves | 20892.8400 | 436889.58 | XX |
| 1 | XX | XX | GSE Eligible | No | Yes | XX |
| 1 | XX | XX | Property Type | Low Rise Condo (1-4) | Site Condo | XX |
| 1 | XX | XX | Total Monthly Income | 22354.8300 | 22744.27 | XX |
| 2 | XX | XX | Borrower 1 Self Employed Flag | Yes | No | XX |
| 2 | XX | XX | Cash Reserves | 41916.8400 | 337781.07 | XX |
| 2 | XX | XX | Debt to Income Ratio (Back) | 49.0000 | 45.5835 | XX |
| 2 | XX | XX | Property Type | SFR | Detached PUD | XX |
| 2 | XX | XX | Total Monthly Income | 62703.3000 | 63146.74 | XX |
| 3 | XX | XX | GSE Eligible | No | Yes | XX |
| 3 | XX | XX | Property Type | Detached PUD | Attached PUD | XX |
| 4 | XX | XX | Cash Reserves | 17052.9300 | 156844.25 | XX |
| 4 | XX | XX | Credit Report Date | XX | XX | XX |
| 4 | XX | XX | GSE Eligible | No | Yes | XX |
| 5 | XX | XX | GSE Eligible | No | Yes | XX |
| 5 | XX | XX | Total Monthly Income | 17277.5800 | 17427.58 | XX |
| 6 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 6 | XX | XX | Cash Reserves | 6752.3800 | 34619.38 | XX |
| 6 | XX | XX | GSE Eligible | No | Yes | XX |
| 7 | XX | XX | Cash Reserves | 7217.6000 | 378042.17 | XX |
| 7 | XX | XX | GSE Eligible | No | Yes | XX |
| 8 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) | XX |
| 8 | XX | XX | Cash Reserves | 12135.1900 | 973753.16 | XX |
| 8 | XX | XX | GSE Eligible | No | Yes | XX |
| 9 | XX | XX | Cash Reserves | 4826.2700 | 22974.47 | XX |
| 9 | XX | XX | GSE Eligible | No | Yes | XX |
| 9 | XX | XX | Total Monthly Income | 14969.0500 | 15461.71 | XX |
| 10 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 10 | XX | XX | GSE Eligible | No | Yes | XX |
| 11 | XX | XX | GSE Eligible | No | Yes | XX |
| 12 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 12 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 12 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 12 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 12 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 12 | XX | XX | Cash Reserves | 16020.7000 | 345878.92 | XX |
| 12 | XX | XX | GSE Eligible | No | Yes | XX |
| 12 | XX | XX | Total Monthly Income | 31580.8500 | 31165.45 | XX |
| 13 | XX | XX | GSE Eligible | No | Yes | XX |
| 13 | XX | XX | Total Cash Out | 72808.6500 | 87714.65 | XX |
| 14 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 14 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 14 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 14 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 14 | XX | XX | GSE Eligible | No | Yes | XX |
| 15 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 15 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 15 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 15 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 15 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 15 | XX | XX | Cash Reserves | 3015.3400 | 307758.81 | XX |
| 15 | XX | XX | GSE Eligible | No | Yes | XX |
| 16 | XX | XX | Cash Reserves | 25336.1700 | 344731.87 | XX |
| 16 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 17 | XX | XX | Cash Reserves | 4741.9700 | 33791.75 | XX |
| 17 | XX | XX | GSE Eligible | No | Yes | XX |
| 17 | XX | XX | Total Monthly Income | 34215.5800 | 37741.42 | XX |
| 18 | XX | XX | Cash Reserves | 5842.9000 | 18673.61 | XX |
| 18 | XX | XX | GSE Eligible | No | Yes | XX |
| 18 | XX | XX | Total Monthly Income | 10971.5600 | 11175.56 | XX |
| 19 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 19 | XX | XX | GSE Eligible | No | Yes | XX |
| 19 | XX | XX | Sales Price | XX | XX | XX |
| 20 | XX | XX | Credit Report Date | XX | XX | XX |
| 20 | XX | XX | GSE Eligible | No | Yes | XX |
| 21 | XX | XX | Cash Reserves | 12469.1800 | 24891.45 | XX |
| 21 | XX | XX | GSE Eligible | No | Yes | XX |
| 21 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 22 | XX | XX | Cash Reserves | 18415.2200 | 110207.7 | XX |
| 22 | XX | XX | GSE Eligible | No | Yes | XX |
| 22 | XX | XX | Origination Channel | Correspondent Bulk | Retail | XX |
| 23 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 23 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 23 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 23 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 23 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 23 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 23 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 23 | XX | XX | Cash Reserves | 29247.8500 | 351404.56 | XX |
| 23 | XX | XX | GSE Eligible | No | Yes | XX |
| 24 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 24 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 24 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 24 | XX | XX | Borrower 2 Self Employed Flag | No | Yes | XX |
| 24 | XX | XX | Cash Reserves | 26555.3400 | 119076.05 | XX |
| 24 | XX | XX | GSE Eligible | No | Yes | XX |
| 24 | XX | XX | Total Monthly Income | 18250.4200 | 16262.91 | XX |
| 25 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 25 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 25 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 25 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 25 | XX | XX | Cash Reserves | 31811.6300 | 100503.66 | XX |
| 25 | XX | XX | GSE Eligible | No | Yes | XX |
| 25 | XX | XX | Property Type | Detached PUD | Attached PUD | XX |
| 26 | XX | XX | Cash Reserves | 22222.9100 | 721952.06 | XX |
| 26 | XX | XX | GSE Eligible | No | Yes | XX |
| 27 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 27 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 27 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 27 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 27 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 27 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 27 | XX | XX | Cash Reserves | 17241.9000 | 167529.18 | XX |
| 27 | XX | XX | Credit Report Date | XX | XX | XX |
| 27 | XX | XX | GSE Eligible | No | Yes | XX |
| 29 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 29 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 29 | XX | XX | Cash Reserves | 18702.7200 | 31919.14 | XX |
| 29 | XX | XX | GSE Eligible | No | Yes | XX |
| 30 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 30 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 30 | XX | XX | Cash Reserves | 42463.7400 | 83988.56 | XX |
| 30 | XX | XX | Debt to Income Ratio (Back) | 45.0000 | 39.0777 | XX |
| 30 | XX | XX | GSE Eligible | No | Yes | XX |
| 30 | XX | XX | Total Monthly Income | 20598.3100 | 21220.04 | XX |
| 31 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 31 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 31 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 31 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 31 | XX | XX | Cash Reserves | 21882.7000 | 166747.07 | XX |
| 32 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 32 | XX | XX | Cash Reserves | 16080.7500 | 59785.24 | XX |
| 32 | XX | XX | GSE Eligible | No | Yes | XX |
| 32 | XX | XX | Property Zip | XX | XX | XX |
| 33 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 33 | XX | XX | Borrower 1 Self Employed Flag | No | Yes | XX |
| 33 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 33 | XX | XX | Borrower 2 Self Employed Flag | Yes | No | XX |
| 33 | XX | XX | Credit Report Date | XX | XX | XX |
| 33 | XX | XX | Total Cash Out | 221224.7300 | 223321.73 | XX |
| 34 | XX | XX | Cash Reserves | 1397183.9000 | 1409129.65 | XX |
| 34 | XX | XX | GSE Eligible | No | Yes | XX |
| 35 | XX | XX | Cash Reserves | 36019.0000 | 51570.52 | XX |
| 35 | XX | XX | GSE Eligible | No | Yes | XX |
| 36 | XX | XX | Cash Reserves | 4683.9800 | 758951.31 | XX |
| 37 | XX | XX | Cash Reserves | 16704.6900 | 453444.07 | XX |
| 37 | XX | XX | Debt to Income Ratio (Back) | 38.6100 | 28.9135 | XX |
| 37 | XX | XX | GSE Eligible | No | Yes | XX |
| 37 | XX | XX | Total Monthly Income | 12843.9400 | 17152.36 | XX |
| 38 | XX | XX | Cash Reserves | 514.3600 | 1052657.16 | XX |
| 38 | XX | XX | GSE Eligible | No | Yes | XX |
| 38 | XX | XX | Origination Channel | Correspondent Bulk | Broker | XX |
| 39 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 39 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 39 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 39 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 39 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 39 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 39 | XX | XX | Cash Reserves | 39495.3400 | 67410.76 | XX |
| 39 | XX | XX | GSE Eligible | No | Yes | XX |
| 39 | XX | XX | Total Monthly Income | 84469.7200 | 83556.8 | XX |
| 40 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 40 | XX | XX | GSE Eligible | No | Yes | XX |
| 40 | XX | XX | Total Monthly Income | 17644.5400 | 20811.42 | XX |
| 41 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) | XX |
| 41 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 41 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 41 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 41 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 41 | XX | XX | Cash Reserves | 17940.6400 | 71067.63 | XX |
| 41 | XX | XX | GSE Eligible | No | Yes | XX |
| 42 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 42 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 42 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 42 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 42 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 42 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 42 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 42 | XX | XX | GSE Eligible | No | Yes | XX |
| 42 | XX | XX | Property Zip | XX | XX | XX |
| 43 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 43 | XX | XX | Cash Reserves | 23859.9000 | 151806.72 | XX |
| 43 | XX | XX | GSE Eligible | No | Yes | XX |
| 44 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 44 | XX | XX | Cash Reserves | 38139.6600 | 448014.81 | XX |
| 44 | XX | XX | GSE Eligible | No | Yes | XX |
| 44 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 44 | XX | XX | Total Monthly Income | 55475.0100 | 56012.51 | XX |
| 45 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 45 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 45 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 45 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 45 | XX | XX | Cash Reserves | 275738.7200 | 291545.27 | XX |
| 45 | XX | XX | GSE Eligible | No | Yes | XX |
| 46 | XX | XX | Cash Reserves | 12130.6700 | 981979.23 | XX |
| 46 | XX | XX | GSE Eligible | No | Yes | XX |
| 47 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 47 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 47 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 47 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 47 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 47 | XX | XX | GSE Eligible | No | Yes | XX |
| 47 | XX | XX | Origination Channel | Correspondent Bulk | Broker | XX |
| 48 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 48 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 48 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 48 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 49 | XX | XX | Cash Reserves | 4380.6100 | 41412.7 | XX |
| 49 | XX | XX | GSE Eligible | No | Yes | XX |
| 50 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 50 | XX | XX | Cash Reserves | 180441.5600 | 2422822.14 | XX |
| 50 | XX | XX | GSE Eligible | No | Yes | XX |
| 51 | XX | XX | Cash Reserves | 64056.7300 | 244300.51 | XX |
| 51 | XX | XX | GSE Eligible | No | Yes | XX |
| 52 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 52 | XX | XX | GSE Eligible | No | Yes | XX |
| 52 | XX | XX | Total Cash Out | 1.0000 | 114523.99 | XX |
| 52 | XX | XX | Total Monthly Income | 10553.1000 | 11259.67 | XX |
| 53 | XX | XX | Cash Reserves | 13592.3400 | 287120.84 | XX |
| 53 | XX | XX | GSE Eligible | No | Yes | XX |
| 53 | XX | XX | Total Cash Out | 78355.9100 | 91004.91 | XX |
| 54 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 54 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 54 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 54 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 54 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 54 | XX | XX | Cash Reserves | 954710.0700 | 967210.07 | XX |
| 54 | XX | XX | GSE Eligible | No | Yes | XX |
| 54 | XX | XX | Total Monthly Income | 31372.8000 | 31500.28 | XX |
| 55 | XX | XX | Cash Reserves | 5311.6700 | 74618.15 | XX |
| 55 | XX | XX | GSE Eligible | No | Yes | XX |
| 55 | XX | XX | Total Monthly Income | 13623.5900 | 13415.25 | XX |
| 56 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 56 | XX | XX | Cash Reserves | 12368.3200 | 251180.5 | XX |
| 56 | XX | XX | GSE Eligible | No | Yes | XX |
| 56 | XX | XX | Total Cash Out | 153653.9300 | 164810.93 | XX |
| 56 | XX | XX | Total Monthly Income | 7292.4700 | 7042.47 | XX |
| 57 | XX | XX | Cash Reserves | 4611.7600 | 150039.81 | XX |
| 57 | XX | XX | GSE Eligible | No | Yes | XX |
| 58 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 58 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 58 | XX | XX | Cash Reserves | 3274.0000 | 73582.16 | XX |
| 58 | XX | XX | GSE Eligible | No | Yes | XX |
| 59 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 59 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 59 | XX | XX | Borrower 1 SSN | XX | XX | XX |
| 59 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 59 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 59 | XX | XX | Borrower 2 SSN | XX | XX | XX |
| 59 | XX | XX | Cash Reserves | 3901.5300 | 61472.45 | XX |
| 59 | XX | XX | GSE Eligible | No | Yes | XX |
| 59 | XX | XX | Property Type | SFR | SFR-Attached | XX |
| 60 | XX | XX | Cash Reserves | 26256.1600 | 92761.35 | XX |
| 60 | XX | XX | Debt to Income Ratio (Back) | 30.1400 | 33.567 | XX |
| 60 | XX | XX | GSE Eligible | No | Yes | XX |
| 60 | XX | XX | Total Monthly Income | 8429.2000 | 11695.5 | XX |
| 61 | XX | XX | Cash Reserves | 4709.5400 | 39332.93 | XX |
| 61 | XX | XX | GSE Eligible | No | Yes | XX |
| 76 | XX | XX | Debt to Income Ratio (Back) | 16.0000 | 24.6399 | XX |
| 76 | XX | XX | Property Type | 5+ Units | SFR | XX |
| 78 | XX | XX | Original Term | 30 | 360 | XX |
| 92 | XX | XX | Representative Credit Score for Grading | 754 | 725 | XX |
| 100 | XX | XX | Documentation Type | Full Doc | Alt Doc/Bank Statements | XX |
| 105 | XX | XX | Property Type | SFR | 2 Family | XX |
| 114 | XX | XX | Debt to Income Ratio (Back) | 471236.0000 | 0 | XX |
| 114 | XX | XX | Original Term | 30 | 360 | XX |
| 122 | XX | XX | Debt to Income Ratio (Back) | 42.8560 | 37.6214 | XX |
| 122 | XX | XX | Note Interest Only Term | 0 | 120 | XX |
| 122 | XX | XX | Property Type | Detached PUD | Attached PUD | XX |
| 123 | XX | XX | Debt to Income Ratio (Back) | 42.9000 | 46.0609 | XX |
| 124 | XX | XX | Documentation Type | Asset Depletion | Asset Qualifier | XX |
| 125 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 129 | XX | XX | Property Type | SFR | 2 Family | XX |
| 130 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 130 | XX | XX | Property Type | SFR | 2 Family | XX |
| 131 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 131 | XX | XX | Property Type | SFR | 2 Family | XX |
| 135 | XX | XX | Property Type | SFR | 2 Family | XX |
| 136 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 144 | XX | XX | Original Term | 30 | 360 | XX |
| 145 | XX | XX | Property Type | SFR | Detached PUD | XX |
| 150 | XX | XX | Debt to Income Ratio (Back) | 49.0940 | 45.8472 | XX |
| 150 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 150 | XX | XX | Note Interest Only Term | 0 | 120 | XX |
| 153 | XX | XX | Original Term | 30 | 360 | XX |
| 153 | XX | XX | Property Type | Low Rise Condo (1-4) | Condotel | XX |
| 156 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 156 | XX | XX | Original Appraised Value | XX | XX | XX |
| 156 | XX | XX | Property Type | SFR | 2 Family | XX |
| 159 | XX | XX | Debt to Income Ratio (Back) | 28.1550 | 20.6405 | XX |
| 159 | XX | XX | Original Term | 30 | 360 | XX |

---

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *90* |
| ***Loans with Conditions:*** | *33* |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence ID** |
| 1 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 2 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 3 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 4 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 5 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 6 | XX | XX | Not Applicable C | A | A C | A | A | Not Applicable | XX |
| 7 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 8 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 9 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 10 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 11 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 12 | XX | XX | Not Applicable D | A | A D | A | A | Not Applicable | XX |
| 13 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 14 | XX | XX | Not Applicable | A | A | A | A | Yes | XX |
| 15 | XX | XX | Not Applicable C | A | A C | A | A | Not Applicable | XX |
| 16 | XX | XX | Not Applicable C | A | A C B | A | A | Not Applicable | XX |
| 17 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 18 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 19 | XX | XX | Not Applicable D | A | A D B | A | A | No | XX |
| 20 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 21 | XX | XX | Not Applicable C | A | A C B | A | A | Not Applicable | XX |
| 22 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 23 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 24 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 25 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 26 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 27 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 28 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 29 | XX | XX | Not Applicable D C | A | A D B C | A | A | No | XX |
| 30 | XX | XX | Not Applicable D | A | A D | A | A | No | XX |
| 31 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 32 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 33 | XX | XX | Not Applicable D | A | A D B | A | A | No | XX |
| 34 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 35 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 36 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 37 | XX | XX | Not Applicable D | A | A D | A | A | No | XX |
| 38 | XX | XX | 03/26/2025 D A | A | A D | A | A | No | XX |
| 39 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 40 | XX | XX | Not Applicable C | A | A C | A | A | No | XX |
| 41 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 42 | XX | XX | Not Applicable C | A | A C | A | A | No | XX |
| 43 | XX | XX | Not Applicable D B | B | B D A | B | B | No | XX |
| 44 | XX | XX | Not Applicable C | A | A C B | A | A | Not Applicable | XX |
| 45 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 46 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 47 | XX | XX | 07/21/2025 C A | A | A C | A | A | Not Applicable | XX |
| 48 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 49 | XX | XX | Not Applicable C | A | A C B | A | A | No | XX |
| 50 | XX | XX | Not Applicable C B | A | A C | A | A | No | XX |
| 51 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 52 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 53 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 54 | XX | XX | Not Applicable | A | A | A | A | No | XX |
| 55 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 56 | XX | XX | Not Applicable C | A | A C B | A | A | Not Applicable | XX |
| 57 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 58 | XX | XX | Not Applicable C | A | A C | A | A | No | XX |
| 59 | XX | XX | Not Applicable C | A | A C B | A | A | Not Applicable | XX |
| 60 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 61 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 75 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 76 | XX | XX | Not Applicable C | A | A C | A | A | Not Applicable | XX |
| 78 | XX | XX | Not Applicable D | C | A D | C | A | Yes | XX |
| 92 | XX | XX | 02/20/2026 A | A | A | A | A | Not Applicable | XX |
| 100 | XX | XX | 02/23/2026 A | A | A | A | A | Not Applicable | XX |
| 105 | XX | XX | Not Applicable C | A | A C | A | A | Not Applicable | XX |
| 112 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 114 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 119 | XX | XX | 02/27/2026 A | A | A | A | A | Not Applicable | XX |
| 122 | XX | XX | 03/02/2026 A | A | A | A | A | Not Applicable | XX |
| 123 | XX | XX | Not Applicable D B | B | B D A | B | B | Not Applicable | XX |
| 124 | XX | XX | 03/03/2026 A | A | A | A | A | Not Applicable | XX |
| 125 | XX | XX | 03/03/2026 C B A | C | B C A | C | B | Not Applicable | XX |
| 129 | XX | XX | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | XX |
| 130 | XX | XX | 03/04/2026 C A | N/A | N/A C | N/A | N/A | Not Applicable | XX |
| 131 | XX | XX | 03/04/2026 C A | N/A | N/A C | N/A | N/A | Not Applicable | XX |
| 135 | XX | XX | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | XX |
| 136 | XX | XX | 03/09/2026 A | A | A | A | A | Not Applicable | XX |
| 139 | XX | XX | 03/06/2026 A | A | A | A | A | Not Applicable | XX |
| 144 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 145 | XX | XX | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | XX |
| 150 | XX | XX | 03/12/2026 A | A | A | A | A | Not Applicable | XX |
| 153 | XX | XX | Not Applicable C | A | A C | A | A | Not Applicable | XX |
| 154 | XX | XX | Not Applicable D C | A | A D C | A | A | Not Applicable | XX |
| 156 | XX | XX | 03/20/2026 A | A | A | A | A | Not Applicable | XX |
| 157 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 158 | XX | XX | 02/27/2026 A | A | A | A | A | Not Applicable | XX |
| 159 | XX | XX | Not Applicable | A | A | A | A | Not Applicable | XX |
| 163 | XX | XX | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | XX |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by Rithm Capital, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted on Loans with origination dates from October 2025 through April 2026 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained one hundred seventeen (117) Loans totaling an aggregate original principal balance of approximately $60.308 million (the "Loans").

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |

---

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

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

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

1 \| P a g e

![](ex99-4_001.jpg)

**<u>CREDIT AND COMPLIANCE SCOPE:</u>**

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt-to-income ratio as appropriate.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

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**(XII) Document Review**

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

● Initial application (1003);

● Underwriting summary / loan approval (1008);

● Credit report;

● Income and employment documentation;

● 4506T;

● Asset documentation;

● Sales contract;

● Hazard and/or flood insurance policies;

● Copy of note for any junior liens;

● Appraisal;

● Title/Preliminary Title;

● Final 1003;

● Changed circumstance documentation;

● Right of Rescission Disclosure;

● Mortgage/Deed of Trust;

● Note;

● Mortgage Insurance;

● Tangible Net Benefit Disclosure;

● Subordination Agreement;

● FACTA disclosures;

● Notice of Special Flood Hazards;

● Initial and final GFE's;

● HUD from sale of previous residence;

● Final HUD-1;

● Initial TIL;

● Final TIL;

● Loan Estimates;

● Closing Disclosures; and

● Certain other disclosures related to the enumerated tests set forth herein.

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

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

**(9) Disclaimer.**

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

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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** 

**OVERALL REVIEW RESULTS SUMMARY**

Of the one hundred seventeen (117) Loans reviewed, all one hundred seventeen (117) Loans or (100%) received an overall "A" or "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94 | &nbsp;&nbsp;80.34% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;19.66% |
| &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;**117** | &nbsp;&nbsp;**100.00%** |

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**COMPLIANCE RESULTS SUMMARY**

Forty-eight (48) Loans are DSCR loans and will not have a compliance grade.

Of the sixty-nine (69) Loans reviewed for compliance, all sixty-nine (69) Loans or (100%) received an "A" or "B" compliance grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;58 | &nbsp;&nbsp;84.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;15.94% |
| &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;**69** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

All one hundred seventeen (117) Loans (100%) reviewed received an "A" or "B" credit grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;15.38% |
| &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;**117** | &nbsp;&nbsp;**100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY**

All one hundred seventeen (117) (100%) reviewed under the applicable rating agency criteria, received an "A" property grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY** 

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

overall loan grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**16** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**41** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

The one hundred seventeen (117) Loans reviewed had a total of seventy (70) different tape discrepancies across thirteen (13) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Note Date, Contract Sales Price and Borrower First Name, where the data tape information did not coincide with the documentation type found in the loan file.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;6 | &nbsp;&nbsp;42 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;68 | &nbsp;&nbsp;10.29% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;28 | &nbsp;&nbsp;117 | &nbsp;&nbsp;23.93% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;7 | &nbsp;&nbsp;117 | &nbsp;&nbsp;5.98% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;50 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;77 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;68 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;50 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;20 | &nbsp;&nbsp;15.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**70** | &nbsp;&nbsp;**2162** | &nbsp;&nbsp;**3.24%** | &nbsp;&nbsp;**117** |

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$60308333.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60308333.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$60308333.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60308333.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;38 | &nbsp;&nbsp;32.48% | &nbsp;&nbsp;$19262899.00 | &nbsp;&nbsp;31.94% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;11.97% | &nbsp;&nbsp;$5114288.00 | &nbsp;&nbsp;8.48% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;54 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$30395926.00 | &nbsp;&nbsp;50.40% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.40% | &nbsp;&nbsp;$5535220.00 | &nbsp;&nbsp;9.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60308333.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$60308333.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60308333.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;59 | &nbsp;&nbsp;50.43% | &nbsp;&nbsp;$29333600.00 | &nbsp;&nbsp;48.64% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.27% | &nbsp;&nbsp;$1329300.00 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$5581300.00 | &nbsp;&nbsp;9.25% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;27 | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;$17209618.00 | &nbsp;&nbsp;28.54% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.84% | &nbsp;&nbsp;$2833650.00 | &nbsp;&nbsp;4.70% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.27% | &nbsp;&nbsp;$2910450.00 | &nbsp;&nbsp;4.83% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.42% | &nbsp;&nbsp;$1110415.00 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60308333.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;49 | &nbsp;&nbsp;41.88% | &nbsp;&nbsp;$28705063.00 | &nbsp;&nbsp;47.60% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;65 | &nbsp;&nbsp;55.56% | &nbsp;&nbsp;$30644050.00 | &nbsp;&nbsp;50.81% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.56% | &nbsp;&nbsp;$959220.00 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60308333.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| |
|:---|
| ![](ex99-4sch1_001.jpg) |
| **Valuation Report** |
| **Run Date - 5/XX/2026 1:25:41 PM** |

---

---

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| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 733 | XXX | XXX | XXX |  | 12/XX/2025 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 12/XX/2025 | 10/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 11/XX/2025 | 10/XX/2025 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 737 | XXX | XXX | XXX |  | 1/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 12/XX/2025 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 743 | XXX | XXX | XXX |  | 1/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 1/XX/2026 | 12/XX/2025 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 745 | XXX | XXX | XXX |  | 1/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 11/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 1/XX/2026 | 11/XX/2025 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 736 | XXX | XXX | XXX |  | 1/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 744 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 10/XX/2025 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 739 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 11/XX/2025 | 11/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 12/XX/2025 | 11/XX/2025 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 848 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 747 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 748 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 752 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 12/XX/2025 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 785 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 762 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 1/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 782 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 1/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 781 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 1/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 768 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 750 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 795 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 810 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 760 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 769 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 738 | XXX | XXX | XXX |  | 1/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 12/XX/2025 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 1/XX/2026 | 12/XX/2025 | Field Review | XXX |  |  |  |  |  |  |  |  | $0.00 | $XXX | -100.000% | XXX | Indeterminate | 12/XX/2025 | 12/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 734 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 11/XX/2025 | 11/XX/2025 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 740 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 11/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 12/XX/2025 | 11/XX/2025 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 759 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 758 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $XXX | -2.110% | 2/XX/2026 | 1/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 766 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 757 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 751 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 847 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 765 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 798 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 761 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 800 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 793 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 786 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 845 | XXX | XXX | XXX |  | 10/XX/2025 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 9/XX/2025 | 9/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 9/XX/2025 | 9/XX/2025 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 846 | XXX | XXX | XXX |  | 12/XX/2025 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 12/XX/2025 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 742 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 12/XX/2025 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 746 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 735 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 1/XX/2026 | 12/XX/2025 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 772 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 814 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 771 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $XXX | -2.610% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 767 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 784 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 815 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 799 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 822 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 821 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 812 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 813 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 835 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 802 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 819 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 806 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 12/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 12/XX/2025 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 803 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $XXX | -4.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 792 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 841 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 4/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 774 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 1/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 804 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 831 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 844 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 732 | XXX | XXX | XXX |  | 12/XX/2025 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 11/XX/2025 | 11/XX/2025 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 11/XX/2025 | 11/XX/2025 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| 753 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 755 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 756 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 773 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 776 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 783 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 777 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 788 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 1/XX/2026 | Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 770 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 790 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 749 | XXX | XXX | XXX |  | 2/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 779 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 754 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 778 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 801 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 791 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 9/XX/2025 | 9/XX/2025 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 796 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 816 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 741 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 1/XX/2026 | 1/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 789 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 787 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 775 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 820 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 811 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 805 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 825 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 829 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 836 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 1/XX/2026 | 1/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $XXX | -3.080% | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 808 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 832 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| 797 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 828 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 827 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 807 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 817 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 830 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 809 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 763 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 837 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 764 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 826 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 842 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 838 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 843 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 2/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 794 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 823 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 4/XX/2026 | Appraisal | XXX | XXX | XXX |  | $XXX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 818 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 824 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 839 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 4/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 833 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 834 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 3/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 840 | XXX | XXX | XXX |  | 4/XX/2026 | $XXX | $XXX | $XXX |  | $0.00 | 0.000% | $XXX | 4/XX/2026 | 4/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 780 | XXX | XXX | XXX |  | 3/XX/2026 | $XXX |  | $XXX |  | $0.00 | 0.000% | $XXX | 3/XX/2026 | 2/XX/2026 | Appraisal | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| |
|:---|
| ![](ex99-4sch2_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 5/XX/2026 1:25:44 PM** |

---

---

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| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 733 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $5000.00 | 1025/72 | $5000.00 | Third Party Rental Source | $4961.14 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4961.14 |  |  | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24000.00 | No |  | $894.39 | $289.19 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 31.97 | US Citizen |  | 660 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 9/XX/2025 | 645 | Fair Isaac (VER. 2) | 670 | FICO Classic V5 Facta | 660 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/XX/2025 |  | $XXX | 3 | 1958 | XXX | 6 | 4 | Average |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $XXX |  |  | 497.000% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 737 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1590.29 |  | 0.000000 | 0.8 |  |  | 1.26 | 1.26 | $1590.29 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | No |  | $424.97 | $72.33 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor | 0.07 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/XX/2025 | 744 | Fair Isaac (VER. 2) | 741 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2025 |  | $XXX | 1 | 1930 | XXX | 3 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 743 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $6800.00 | 1025/72 | $6800.00 | Third Party Rental Source | $5255.89 |  | 0.000000 | 0.77 |  |  | 1.29 | 1.29 | $5255.89 |  |  | No |  |  |  | Long Term |  | $3400.00 | No |  |  |  | Long Term |  | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $484.25 | $237.93 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 33.40% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/XX/2025 | 729 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 | 12/XX/2025 | $XXX | 2 | 1991 | XXX | 6 | 2 | C3 | $XXX | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 745 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2270.00 | 1025/72 | $2270.00 | Third Party Rental Source | $2152.44 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $2152.44 |  |  | No |  |  |  | Long Term |  | $895.00 | No |  |  |  | Long Term |  | $1375.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32000.00 | No |  | $553.14 | $97.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 685 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 2 | Permanent Resident Alien |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/XX/2025 | 685 | Fair Isaac (VER. 2) | 695 | FICO Classic V5 Facta | 608 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 | 11/XX/2025 | $XXX | 2 | 1872 | XXX | 5 | 2 | Average | $XXX | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 736 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $8125.00 | 1073/465 | $8125.00 | Third Party Rental Source | $7790.04 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $7790.04 |  |  | No |  |  |  | Long Term |  | $8125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | XXX | $22.35 | $82.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | First-Time Investor | 0.12 | US Citizen |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/XX/2025 | 790 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 790 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2025 |  | $XXX | 1 | 2015 | XXX | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 93.506% | $XXX |  |  | 93.506% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 744 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $2850.00 | $2750.00 | 1004/70 | $2750.00 | Third Party Rental Source | $1890.93 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $1890.93 |  |  | Yes | 9/XX/2025 | 9/XX/2026 | 12 | Long Term | $2850.00 | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29800.00 | No |  | $167.38 | $144.31 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor | 1.41 |  |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/XX/2026 | 693 | FICO II | 727 | Beacon 5 | 705 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 1 | 1900 | XXX | 4 | 2.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 77.685% | $XXX |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |
| 739 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $3200.00 | 1073/465 | $3200.00 | Third Party Rental Source | $4086.68 |  | 0.000000 | 1.28 |  |  | 0.78 | 0.78 | $4086.68 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $2400.00 | Yes | XXX | $596.34 | $174.12 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 85.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/XX/2025 | 753 | Fair Isaac (VER. 2) | 759 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2025 | 11/XX/2025 | $XXX | 1 | 1987 | XXX | 2 | 2 | C3 | $XXX | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 848 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $4200.00 | 1004/70 | $8346.15 | Multiple Sources | $6645.67 |  | 0.000000 | 0.8 |  |  | 1.26 | 1.26 | $6645.67 |  |  | No |  |  |  | Long Term |  | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | XXX | $1145.83 | $124.92 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 688 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 50.00% | Full Recourse | 1 | Not Provided |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Classic | 2/XX/2026 | 696 | Fair Isaac (VER. 2) | 688 | FICO Classic V5 Facta | 668 | FICO Risk Score Classic 04 | 3 | XXX | XXX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/XX/2026 | 680 | Fair Isaac (VER. 2) | 677 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 | 2/XX/2026 | $XXX | 1 | 2017 | XXX | 5 | 4 | C3 | $XXX | $0.00 | $4146.15 |  |  |  |  |  |  | 70.000% | $XXX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| 747 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Short Term Vacation Rental (e.g., XXX, XXX, or XXX) |  | $2807.00 | 1073/465 | $2245.60 | Multiple Sources | $2180.19 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $2180.19 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $2807.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26258.00 | Yes | XXX | $306.84 | $92.14 | Level 4-Stated/Verified as defined | No | 1 | 2 | Yes | Yes | Yes | Experienced Investor | 4.44 | Foreign National | Foreign National |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XXX | XXX | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 1 | 2007 | XXX | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | $XXX |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |
| 748 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2800.00 | 1073/465 | $2800.00 | Third Party Rental Source | $3631.36 |  | 0.000000 | 1.3 |  |  | 0.77 | 0.77 | $3631.36 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | Yes | XXX | $578.13 | $75.81 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 666 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 1/XX/2026 | 666 | Fair Isaac (VER. 2) | 658 | FICO Classic V5 Facta | 688 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 | 1/XX/2026 | $XXX | 1 | 1989 | XXX | 2 | 2 | C3 | $XXX | $0.00 |  |  |  |  |  |  |  | 65.000% | $XXX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |
| 752 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $5200.00 | 1025/72 | $5200.00 | Third Party Rental Source | $5166.50 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $5166.50 |  |  | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $1850.00 | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $854.18 | $246.42 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 11/XX/2025 | 799 | Fair Isaac (VER. 2) | 780 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 | 11/XX/2025 | $XXX | 3 | 1928 | XXX | 6 | 3 | Good | $XXX | $0.00 |  |  |  |  |  |  |  | 85.000% | $XXX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| 785 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $2400.00 | $2400.00 | 1025/72 | $2400.00 | Rent on Existing Lease | $1186.67 |  | 0.000000 | 0.49 |  |  | 2.02 | 2.02 | $1186.67 |  |  | Yes |  |  |  | Long Term | $1200.00 | $1200.00 | Yes |  |  |  | Long Term | $1200.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $7200.00 | No |  | $154.37 | $136.78 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 6.28 | US Citizen |  | 679 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 648 | FICO II | 679 | Beacon 5 | 694 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 2 | 2020 | XXX | 4 | 1 | Average |  | $0.00 |  |  |  |  |  |  |  | 48.077% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 762 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $6000.00 | 1025/72 | $6000.00 | Third Party Rental Source | $5886.91 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $5886.91 |  |  | No |  |  |  | Long Term |  | $3100.00 | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $615.76 | $147.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 23.37 | US Citizen |  | 663 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 665 | Fair Isaac | 658 | Beacon 5 | 663 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 2 | 2001 | XXX | 5 | 2.1 | Average |  | $0.00 |  |  |  |  |  |  |  | 69.697% | $XXX |  |  | 227.583% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 782 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term |  | $4100.00 | 1025/72 | $4100.00 | Third Party Rental Source | $2929.13 |  | 0.000000 | 0.71 |  |  | 1.40 | 1.4 | $2929.13 |  |  | Yes |  |  |  | Long Term |  | $1500.00 | Yes |  |  |  | Long Term |  | $1000.00 | Yes |  |  |  | Long Term |  | $700.00 | Yes |  |  |  | Long Term |  | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $188400.00 | No |  | $437.12 | $240.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 10.13 | US Citizen |  | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 737 | Fair Isaac (VER. 2) | 698 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 4 | 1939 | XXX | 7 | 4.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 58.929% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term |  | $6600.00 | 1025/72 | $6600.00 | Third Party Rental Source | $2996.00 |  | 0.000000 | 0.45 |  |  | 2.20 | 2.2 | $2996.00 |  |  | Yes | 12/XX/2025 |  |  | Long Term |  | $2600.00 | Yes | 12/XX/2025 |  |  | Long Term |  | $2300.00 | Yes | 10/XX/2025 |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $43200.00 | No |  | $239.98 | $103.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 2.35 |  |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/XX/2026 | 654 | Fair Isaac (VER. 2) | 682 | FICO Classic V5 Facta | 705 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 3 | 1948 | XXX | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 60.000% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 768 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1730.81 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1730.81 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $47.58 | $99.33 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 1/XX/2026 | 730 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 | 1/XX/2026 | $XXX | 1 | 2005 | XXX | 3 | 2 | C3 | $XXX | $0.00 |  |  |  |  |  |  |  | 85.000% | $XXX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| 750 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1550.46 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1550.46 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $328.46 | $71.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 1.64 |  |  | 683 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/XX/2025 | 741 | Fair Isaac (VER. 2) | 683 | FICO Classic V5 Facta | 660 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1963 | XXX | 4 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $XXX |  |  | 146.696% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 795 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $4000.00 | 1025/72 | $4000.00 | Third Party Rental Source | $2997.48 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $2997.48 |  |  | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25462.00 | No |  | $321.16 | $474.79 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.68 |  |  | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/XX/2026 | 731 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 761 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 2 | 1953 | XXX | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 115.909% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 810 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $3050.00 | 1004/70 | $3050.00 | Third Party Rental Source | $2317.54 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $2317.54 |  |  | No |  |  |  | Long Term |  | $3050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44096.00 | No |  | $880.63 | $228.23 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | Experienced Investor | 9.26 | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1998 | XXX | 3 | 3 | C4 |  | $0.00 |  |  |  |  |  |  |  | 28.455% | $XXX |  |  | 38.889% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 760 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2400.00 | 1025/72 | $2400.00 | Third Party Rental Source | $1833.32 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $1833.32 |  |  | No |  |  |  | Long Term |  | $600.00 | No |  |  |  | Long Term |  | $600.00 | No |  |  |  | Long Term |  | $600.00 | No |  |  |  | Long Term |  | $600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49600.00 | No |  | $182.71 | $229.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 1/XX/2026 | 742 | Fair Isaac (VER. 2) | 746 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 | 1/XX/2026 | $XXX | 4 | 1907 | XXX | 4 | 4 | Average | $XXX | $0.00 |  |  |  |  |  |  |  | 85.000% | $XXX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| 769 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $1700.00 | $1700.00 | 1025/72 | $1700.00 | Rent on Existing Lease | $1696.74 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1696.74 |  |  | Yes |  | 2/XX/2027 |  | Long Term | $850.00 | $850.00 | Yes |  | 2/XX/2027 |  | Long Term | $850.00 | $850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $34100.00 | No |  | $251.54 | $190.00 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |  | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/XX/2026 | 734 | Fair Isaac (VER. 2) | 746 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 | 1/XX/2026 | $XXX | 2 | 1987 | XXX | 4 | 2 | C4 | $XXX | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 740 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $5016.21 |  | 0.320076 |  |  |  |  |  | $5016.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $376.11 | $101.17 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 32.52 | US Citizen |  | 685 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 11/XX/2025 |  |  | 693 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2025 |  | $XXX | 1 | 1900 | XXX | 2 | 1 | C4 |  |  | $28047.81 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 758 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $5715.29 |  | 0.035196 |  |  |  |  |  | $5715.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $567.14 | $467.53 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 9.24 |  |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Unemployed |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |  | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 1/XX/2026 | 737 | Fair Isaac (VER. 2) | 740 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 1 | 2001 | XXX | 4 | 2.1 | C4 |  |  | $392156.71 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 751 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $4995.14 |  | 0.395347 |  |  |  |  |  | $4995.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | $492.08 | $192.67 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 1/XX/2026 | 784 | Fair Isaac | 780 | Beacon 5 | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 1 | 1980 | XXX | 2 | 2 | C3 | $XXX |  | $10715.56 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $4728.54 |  | 0.318562 |  |  |  |  |  | $4728.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $866.31 | $381.90 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 1/XX/2026 | 767 | Fair Isaac (VER. 2) | 741 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 2 | 1990 | XXX | 6 | 4 | C4 | $XXX |  | $26420.33 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 765 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $5539.03 |  | 0.105539 |  |  |  |  |  | $5539.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | $874.35 | $46.42 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Permanent Resident Alien |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 687 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 2008 | XXX | 2 | 2 | C3 | $XXX |  | $250004.00 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 800 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $5795.95 |  | 0.051044 |  |  |  |  |  | $5795.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $477.58 | $995.72 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 1/XX/2026 | 730 | Fair Isaac (VER. 2) | 731 | FICO Classic V5 Facta | 688 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 2026 | XXX | 3 | 2 | C2 | $XXX |  | $739923.45 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $12261.20 |  | 0.381470 |  |  |  |  |  | $12261.20 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $2269.88 | $1411.17 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 21.97 | US Citizen |  | 813 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/XX/2025 | 789 | Fair Isaac (VER. 2) | 815 | FICO Classic V5 Facta | 813 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1988 | XXX | 4 | 3 | C3 |  |  | $65013.00 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1/XX/2000 | Yes | No | Long Term |  | $2330.00 | 1004/70 | $2330.00 | Third Party Rental Source | $1740.27 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $1740.27 |  |  | No |  |  |  | Long Term |  | $2330.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | No |  | $68.30 | $245.57 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.17 |  |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 7/XX/2025 | 766 | Fair Isaac (VER. 2) | 759 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/XX/2025 |  | $XXX | 1 | 1915 | XXX | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 408.000% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 846 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1337.53 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $1337.53 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 | No |  | $142.15 | $106.85 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.33 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 20.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/XX/2025 | 765 | Fair Isaac (VER. 2) |  |  | 744 | FICO Risk Score Classic 04 | 2 | XXX | XXX | 80.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/XX/2025 | 735 | Fair Isaac (VER. 2) | 685 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/XX/2025 |  | $XXX | 1 | 1950 | XXX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 73.644% | $XXX |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |
| 742 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $4650.00 | 1004/70 | $4650.00 | Third Party Rental Source | $3665.10 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $3665.10 |  |  | No |  |  |  | Long Term |  | $4650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $1142.75 | $276.42 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 788 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/XX/2025 | 792 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 | 10/XX/2025 | $XXX | 1 | 1991 | XXX | 5 | 3 | C2 | $XXX | $0.00 |  |  |  |  |  |  |  | 46.997% | $XXX |  |  | 46.997% |  |  | 46.997% |  |  |  |  |  |  |  |  |
| 746 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2250.00 | 1004/70 | $2250.00 | Third Party Rental Source | $2224.46 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2224.46 |  |  | No |  |  |  | Long Term |  | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | Yes | XXX | $564.45 | $213.36 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/XX/2026 | 839 | Fair Isaac (VER. 2) | 811 | FICO Classic V5 Facta | 789 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 | 1/XX/2026 | $XXX | 1 | 2005 | XXX | 3 | 2 | C3 | $XXX | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 735 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $20000.00 | $9500.00 | 1004/70 | $20000.00 | Rent on Existing Lease | $16692.34 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $16692.34 |  |  | Yes | 12/XX/2025 | 12/XX/2026 | 12 | Long Term | $20000.00 | $9500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $350000.00 | No |  | $2709.97 | $338.85 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.53 |  |  | 699 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 3/XX/2026 | 695 | FICO II | 699 | Beacon 5 | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2025 |  | $XXX | 1 | 2022 | XXX | 5 | 4.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 67.454% | $XXX |  |  | 74.766% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 772 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $1750.00 | $1750.00 | 1004/70 | $1750.00 | Rent on Existing Lease | $1635.33 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $1635.33 |  |  | Yes | 2/XX/2026 | 1/XX/2027 | 12 | Long Term | $1750.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $31700.00 | No |  | $282.40 | $168.67 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.28 |  |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 20.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 3/XX/2026 | 699 | Fair Isaac (VER. 2) | 687 | FICO Classic V5 Facta | 697 | FICO Risk Score Classic 04 | 3 | XXX | XXX | 40.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 3/XX/2026 | 797 | Fair Isaac (VER. 2) | 810 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1963 | XXX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 100000.000% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 814 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $9000.00 | 1025/72 | $9000.00 | Third Party Rental Source | $6624.25 |  | 0.000000 | 0.74 |  |  | 1.36 | 1.36 | $6624.25 |  |  | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80000.00 | No |  | $787.61 | $330.33 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 2.54 | US Citizen |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 1/XX/2026 | 764 | Fair Isaac (VER. 2) | 797 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 3 | 1915 | XXX | 9 | 3 | Good |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 84.225% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 771 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4500.00 | Third Party Rental Source | $3721.22 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $3721.22 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 | No |  | $690.53 | $235.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 793 | FICO II | 800 | Beacon 5 | 793 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 | 2/XX/2026 | $XXX | 1 | 1970 | XXX | 4 | 1.1 | C4 | $XXX | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 767 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $3600.00 | $3600.00 | 1004/70 | $3600.00 | Rent on Existing Lease | $3169.00 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $3169.00 |  |  | Yes |  |  |  | Long Term | $3600.00 | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $453.29 | $112.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 1.50 | Permanent Resident Alien | US Citizen | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 1/XX/2026 | 736 | Fair Isaac (VER. 2) | 736 | Beacon 5 | 735 | FICO Risk Score Classic 04 | Individual | Individual |  | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 1/XX/2026 | 714 | Fair Isaac (VER. 2) | 752 | Beacon 5 | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1952 | XXX | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $XXX |  |  | 93.753% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 784 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2950.00 | 1004/70 | $2950.00 | Third Party Rental Source | $1616.37 |  | 0.000000 | 0.55 |  |  | 1.83 | 1.83 | $1616.37 |  |  | No |  |  |  | Long Term |  | $2950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $137600.00 | No |  | $286.83 | $83.67 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No | No |  | Experienced Investor | 19.41 | US Citizen |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 12/XX/2025 | 737 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1951 | XXX | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 26.986% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 815 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2550.00 | 1004/70 | $2550.00 | Third Party Rental Source | $1002.52 |  | 0.000000 | 0.39 |  |  | 2.54 | 2.54 | $1002.52 |  |  | No |  |  |  | Long Term |  | $2550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $151.16 | $102.00 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 2/XX/2026 | 773 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 785 | FICO Risk Score Classic 04 | Individual | Individual |  | XXX | XXX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 2/XX/2026 | 773 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 785 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 | 3/XX/2026 | $XXX | 1 | 1980 | XXX | 3 | 2 | C4 | $XXX | $0.00 |  |  |  |  |  |  |  | 27.174% | $XXX |  |  | 27.174% |  |  | 27.174% |  |  |  |  |  |  |  |  |
| 799 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Not Provided |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1844.90 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $1844.90 |  |  | No |  |  |  | Not Provided |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $615.18 | $106.75 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 2/XX/2026 | 749 | Fair Isaac (VER. 2) | 773 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 | 12/XX/2025 | $XXX | 1 | 1920 | XXX | 5 | 2 | C3 | $XXX | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 822 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Not Provided |  | $2550.00 | 1004/70 | $2550.00 | Third Party Rental Source | $2244.40 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2244.40 |  |  | No |  |  |  | Not Provided |  | $2550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37000.00 | Yes | XXX | $260.33 | $82.57 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 676 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 676 | Fair Isaac (VER. 2) | 684 | Beacon 5 | 628 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 | 1/XX/2026 | $XXX | 1 | 2026 | XXX | 4 | 3.1 | C1 | $XXX | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 821 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Not Provided |  | $3230.00 | 1004/70 | $3230.00 | Third Party Rental Source | $2700.62 |  | 0.000000 | 0.84 |  |  | 1.20 | 1.2 | $2700.62 |  |  | No |  |  |  | Not Provided |  | $3230.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $500000.00 | No |  | $426.09 | $141.83 | Level 3-Stated/Partially Verified | No | 1 | 4 | No | No |  | First-Time Investor |  | US Citizen |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 3/XX/2026 | 790 | Fair Isaac (VER. 2) | 773 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 | 3/XX/2026 | $XXX | 1 | 1972 | XXX | 3 | 1 | C4 | $XXX | $0.00 |  |  |  |  |  |  |  | 79.500% | $XXX |  |  | 79.500% |  |  | 79.500% |  |  |  |  |  |  |  |  |
| 812 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $8250.00 | $6125.00 | 1004/70 | $8250.00 | Rent on Existing Lease | $8198.59 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $8198.59 |  |  | Yes | 4/XX/2026 | 3/XX/2027 | 12 | Long Term | $8250.00 | $6125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $97000.00 | No |  | $1795.83 | $461.09 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.59 | Permanent Resident Alien |  | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 711 | Fair Isaac (VER. 2) | 722 | FICO Classic V5 Facta | 697 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1966 | XXX | 5 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 74.806% | $XXX |  |  | 80.417% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 813 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term |  | $2750.00 | 1004/70 | $2750.00 | Third Party Rental Source | $2609.89 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $2609.89 |  |  | Yes |  |  |  | Long Term |  | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $264.31 | $76.25 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.64 |  |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/XX/2026 | 737 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1952 | XXX | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |
| 835 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $1623.23 |  | 0.000000 | 0.71 |  |  | 1.42 | 1.42 | $1623.23 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35700.00 | No |  | $430.22 | $115.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor | 19.05 |  | US Citizen | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 3/XX/2026 | 740 | Fair Isaac (VER. 2) | 732 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 2003 | XXX | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 48.611% | $XXX |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |
| 802 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $1850.00 | $1850.00 | 1004/70 | $1850.00 | Rent on Existing Lease | $1369.20 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1369.20 |  |  | Yes | 11/XX/2025 | 11/XX/2026 | 12 | Long Term | $1850.00 | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $158.30 | $228.30 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 1.53 |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/XX/2026 | 784 | FICO II | 790 | Beacon 5 | 784 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1940 | XXX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 819 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $1700.00 | $1700.00 | 1004/70 | $1700.00 | Rent on Existing Lease | $1302.51 |  | 0.000000 | 0.77 |  |  | 1.31 | 1.31 | $1302.51 |  |  | Yes | 3/XX/2026 | 3/XX/2027 | 12 | Long Term | $1700.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15500.00 | No |  | $147.68 | $140.35 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.31 |  |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 51.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 3/XX/2026 | 740 | FICO II | 704 | Beacon 5 | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1959 | XXX | 2 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 127.083% | $XXX |  |  | 127.083% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 806 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Short Term |  | $11250.00 | 1004/70 | $9000.00 | Multiple Sources | $7829.35 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $7829.35 |  |  | No |  |  |  | Short Term |  | $11250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $320400.00 | Yes | XXX | $424.24 | $543.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 3.60 |  |  | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 85.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/XX/2026 | 730 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 2008 | XXX | 3 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $XXX |  |  | 111.200% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 803 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $2350.00 | $3300.00 | 1025/72 | $3300.00 | Third Party Rental Source | $1504.32 |  | 0.000000 | 0.46 |  |  | 2.19 | 2.19 | $1504.32 |  |  | No |  |  |  | Long Term |  | $850.00 | Yes |  |  |  | Long Term | $750.00 | $750.00 | Yes |  |  |  | Long Term | $850.00 | $850.00 | Yes |  |  |  | Long Term | $750.00 | $850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $64200.00 | No |  | $186.31 | $211.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 2.85 | US Citizen |  | 626 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 626 | Fair Isaac (VER. 2) | 625 | FICO Classic V5 Facta | 638 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 4 | 1947 | XXX | 4 | 4 | C4 |  | $0.00 |  |  |  |  |  |  |  | 55.000% | $XXX |  |  | 323.529% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 792 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $6150.00 | $4350.00 | 1004/70 | $6150.00 | Rent on Existing Lease | $6060.61 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $6060.61 |  |  | Yes | 3/XX/2026 | 2/XX/2027 | 12 | Long Term | $6150.00 | $4350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $65100.00 | No |  | $781.07 | $155.50 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor | 1.07 | US Citizen |  | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 3/XX/2026 | 711 | Fair Isaac (VER. 2) | 700 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1922 | XXX | 4 | 3 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 94.545% | $XXX |  |  |  |  |  |  |  |  |  |  |
| 841 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $2500.00 | $1650.00 | 1004/70 | $1650.00 | Third Party Rental Source | $1653.29 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1653.29 |  |  | Yes | 5/XX/2026 | 5/XX/2028 | 24 | Long Term | $2500.00 | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $104.39 | $90.68 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | 653 |  |  |  |  | 1 | 0 | 0 | 1 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 3/XX/2026 | 652 | Fair Isaac (VER. 2) | 669 | FICO Classic V5 Facta | 653 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 | 3/XX/2026 | $XXX | 1 | 1976 | XXX | 2 | 1 | C4 | $XXX | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 774 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $2395.00 | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $1572.58 |  | 0.000000 | 0.66 |  |  | 1.53 | 1.53 | $1572.58 |  |  | Yes |  |  |  | Long Term | $2395.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $205.33 | $167.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 14.26 |  |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/XX/2026 | 749 | FICO II | 749 | Beacon 5 | 787 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1920 | XXX | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 804 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term |  | $1860.00 | 1025/72 | $1860.00 | Third Party Rental Source | $1400.83 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $1400.83 |  |  | Yes |  |  |  | Long Term |  | $930.00 | Yes |  |  |  | Long Term |  | $930.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $175.71 | $122.50 | Level 3-Stated/Partially Verified | No | 1 | 8 | No | No |  | Experienced Investor |  | US Citizen |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 8 | US Citizen |  |  | Level 3-Stated/Partially Verified | 2/XX/2026 | 767 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 | 3/XX/2026 | $XXX | 2 | 1978 | XXX | 2 | 2 | C4 | $XXX | $0.00 |  |  |  |  |  |  |  | 80.000% | $XXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 831 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | Yes | Long Term | $4400.00 | $3450.00 | 1073/465 | $3450.00 | Third Party Rental Source | $3139.25 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $3139.25 |  |  | Yes | 4/XX/2026 | 4/XX/2027 | 12 | Long Term | $4400.00 | $3450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $2400.00 | Yes | XXX | $637.03 | $71.44 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 3/XX/2026 | 803 | Fair Isaac (VER. 2) | 804 | FICO Classic V5 Facta | 794 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 | 3/XX/2026 | $XXX | 1 | 2008 | XXX | 2 | 2 | C3 | $XXX | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 844 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $2066.51 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2066.51 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | XXX | $339.80 | $124.96 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 25.43 | US Citizen |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXX | XXX | XXX |  | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 801 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2026 |  | $XXX | 1 | 2000 | XXX | 5 | 2.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 788 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $18002.40 |  | 0.427126 |  |  |  |  |  | $18002.40 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | $1214.33 | $504.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 776 | Fair Isaac (VER. 2) | 793 | FICO Classic V5 Facta | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 2026 | XXX | 5 | 5.2 | C1 | $XXX |  | $65296.83 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 770 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $3950.61 |  | 0.308433 |  |  |  |  |  | $3950.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $880.81 | $389.83 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 1/XX/2026 | 655 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1961 | XXX | 3 | 2 | C3 | $XXX |  | $43792.34 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $3701.14 |  | 0.246658 |  |  |  |  |  | $3701.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $707.14 | $442.04 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 785 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Unemployed |  | XXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |  | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 5-Stated/Verified as defined | Classic | 2/XX/2026 | 785 | FICO II | 802 | Beacon 5 | 760 | FICO Risk Score Classic 04 | 3 | XXX | XXX |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/XX/2026 | 775 | FICO II | 768 | Beacon 5 | 738 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2026 |  | $XXX | 1 | 1956 | XXX | 3 | 3 | C3 | $XXX |  | $43749.33 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 741 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $8955.52 |  | 0.196701 |  |  |  |  |  | $8955.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | $1321.00 | $29.42 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 3.94 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Unemployed |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX | 50.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 3/XX/2026 | 744 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 | 3 | XXX | XXX | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 3/XX/2026 | 715 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2025 |  | $XXX | 1 | 2010 | XXX | 4 | 2.1 | C3 |  |  | $537057.84 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $20686.82 |  | 0.054735 |  |  |  |  |  | $20686.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $3281.25 | $351.16 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 16 | US Citizen |  |  | Level 4-Stated/Verified as defined | 2/XX/2026 | 742 | Fair Isaac (VER. 2) | 746 | FICO Classic V5 Facta | 773 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1986 | XXX | 6 | 5 | C3 | $XXX |  | $3968617.03 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 828 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $1774.40 |  | 0.405662 |  |  |  |  |  | $1774.40 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $299.25 | $227.41 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 4.47 | US Citizen |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 3/XX/2026 | 685 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1942 | XXX | 4 | 1.1 | C4 |  |  | $19910.75 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 763 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $1953.83 |  | 0.103962 |  |  |  |  |  | $1953.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $338.17 | $133.33 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 3.43 |  |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Unemployed |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |  | Full Recourse | 10 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 1/XX/2026 | 709 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 1 | 1955 | XXX | 3 | 2 | C3 |  |  | $269873.85 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 764 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $2127.67 |  | 0.078563 |  |  |  |  |  | $2127.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $355.24 | $110.92 | Level 2-Stated/Not Verified |  |  |  | No |  |  |  | 3.78 |  |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Unemployed |  | XXX | 1 |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |  | Full Recourse | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 4/XX/2026 | 709 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2026 |  | $XXX | 1 | 1955 | XXX | 3 | 2 | C3 |  |  | $269873.85 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $11881.26 |  | 0.276479 |  |  |  |  |  | $11881.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1183.80 | $569.25 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 2.86 |  |  | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Unemployed |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |  | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 4/XX/2026 | 759 | FICO II | 747 | Beacon 5 | 752 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 2022 | XXX | 6 | 5.2 | C3 |  |  | $60961.37 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | Yes |  |  |  |  |  |  |  | $5962.40 |  | 0.254411 |  |  |  |  |  | $5962.40 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $871.88 | $408.58 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  |  |  |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Unemployed |  | XXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 2/XX/2026 | 767 | Fair Isaac (VER. 2) | 726 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 1961 | XXX | 4 | 2 | C3 | $XXX |  | $63586.06 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840 | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 8/XX/2025 | No |  |  |  |  |  |  |  | $2460.26 |  | 0.398583 |  |  |  |  |  | $2460.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | $505.60 | $165.44 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 817 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXX | XXX | XXX | Employed | XXX | XXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 3/XX/2026 | 827 | Fair Isaac (VER. 2) | 817 | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2026 |  | $XXX | 1 | 2005 | XXX | 3 | 2 | C3 | $XXX |  | $3422.17 |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-4sch3_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 5/20/2026 1:25:41 PM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** |
| 733 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 737 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 743 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 745 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 736 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 744 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 739 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 848 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 747 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 748 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 752 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 785 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 762 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 782 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 781 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 768 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 750 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 795 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 810 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 760 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 769 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 738 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B |
| 734 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | A | B |
| 740 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 759 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 758 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 766 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | D | D | B | B | B | B | B | B | A | B |
| 757 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | A | B |
| 751 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | A | B |
| 847 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 765 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 798 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 761 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | A | B |
| 800 | XX | XX | XX |  | XX | XX A |  | B | B | B | B | B | A | B | A | A | A | A | A | A | A | A |
| 793 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 786 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845 | XX | XX | XX |  | XX | XX C D |  |  |  |  |  |  | A | C D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 846 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 742 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 746 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 735 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 772 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 814 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 771 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 767 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 784 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 815 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 799 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 822 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 821 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 812 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 813 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 835 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 802 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 819 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 806 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 803 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 792 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 841 | XX | XX | XX |  | XX | XX B |  | N/A | N/A | N/A | N/A | N/A | A | B | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 774 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 804 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 831 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 844 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 732 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | A | B |
| 753 | XX | XX | XX |  | XX | XX D |  | C | C | C | C | C | A | D | A | A | A | A | A | A | A | A |
| 755 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | A | A | A | A | A | A | B |
| 756 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 773 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 776 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 783 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 777 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | A | B |
| 788 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 770 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | A | B |
| 790 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 749 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 779 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 754 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 778 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 801 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 791 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 796 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 816 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 741 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 789 | XX | XX | XX |  | XX | XX C |  | B | B | B | B | B | A | C | A | B | B | B | B | B | A | B |
| 787 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 775 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | A | B |
| 820 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 811 | XX | XX | XX |  | XX | XX C |  | B | B | B | B | B | A | C | A | A | A | A | A | A | A | A |
| 805 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 825 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 829 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 808 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 832 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 797 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 828 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 827 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 807 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | A | A | A | A | A | A | B |
| 817 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 830 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 809 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 763 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 764 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 826 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 794 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 823 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 818 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 824 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 833 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 840 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 780 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| |
|:---|
| ![](ex99-4sch4_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 5/15/2026 8:06:07 AM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 737 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 743 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 745 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-23 | Verified | Field Value reflects Note Date per the Note |
| 745 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 736 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-28 | Verified | Field Value reflects Note Date per the Note |
| 744 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-02 | Verified | Field Value reflects Note Date per the Note |
| 744 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 739 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 739 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-20 | Verified | Field Value reflects Note Date per the Note |
| 848 | XXX | XXX | XXX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 848 | XXX | XXX | XXX |  |  | Representative FICO | 680 | 688 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 848 | XXX | XXX | XXX |  |  | Original P&I | 5132.69 | 5126.92 | Verified | Field Value reflects Note value |
| 848 | XXX | XXX | XXX |  |  | Original Interest Rate | XXXX | XXX | Verified | Field Value reflects the Note value |
| 848 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 748 | XXX | XXX | XXX |  |  | Street | XXX | XXX | Verified | Field Value reflects Street per Note |
| 748 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 781 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 768 | XXX | XXX | XXX |  |  | Note Date | 2026-XX-04 | 2026-XX-05 | Verified | Field Value reflects Note Date per the Note |
| 750 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 750 | XXX | XXX | XXX |  |  | Contract Sales Price | XXX | XXX | Verified | Refinance |
| 769 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 769 | XXX | XXX | XXX |  |  | Note Date | 2026-XX-23 | 2026-XX-26 | Verified | Field Value reflects Note Date per the Note |
| 734 | XXX | XXX | XXX |  |  | Borrower First Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 740 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-19 | Verified | Field Value reflects Note Date per the Note |
| 740 | XXX | XXX | XXX |  |  | Representative FICO | 693 | 685 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 758 | XXX | XXX | XXX |  |  | Borrower First Name | XXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 758 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 757 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 847 | XXX | XXX | XXX |  |  | Original LTV | 76.8 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 786 | XXX | XXX | XXX |  |  | Contract Sales Price | XXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 845 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 846 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 846 | XXX | XXX | XXX |  |  | Zip | XXX | XXX | Verified | Field Value reflects Zip per Note |
| 742 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-04 | Verified | Field Value reflects Note Date per the Note |
| 746 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 746 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-11 | Verified | Field Value reflects Note Date per the Note |
| 735 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 735 | XXX | XXX | XXX |  |  | Note Date |  | 2026-XX-13 | Verified | Field Value reflects Note Date per the Note |
| 772 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 772 | XXX | XXX | XXX |  |  | Contract Sales Price | XXX | XXX | Verified | Refinance transaction |
| 771 | XXX | XXX | XXX |  |  | Note Date | 2026-XX-20 | 2026-XX-23 | Verified | Field Value reflects Note Date per the Note |
| 822 | XXX | XXX | XXX |  |  | As-Is Value Used For LTV Calculation | XXX | XXX | Verified | Field value reflects source document |
| 835 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 802 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 819 | XXX | XXX | XXX |  |  | As-Is Value Used For LTV Calculation | XXX | XXX | Verified | Field value reflects source document |
| 819 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 806 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 803 | XXX | XXX | XXX |  |  | Contract Sales Price | XXX | XXX | Verified | Previous purchase price |
| 841 | XXX | XXX | XXX |  |  | As-Is Value Used For LTV Calculation | XXX | XXX | Verified | Field value reflects source document |
| 774 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 774 | XXX | XXX | XXX |  |  | As-Is Value Used For LTV Calculation | XXX | XXX | Verified | Field value reflects source document |
| 804 | XXX | XXX | XXX |  |  | As-Is Value Used For LTV Calculation | XXX | XXX | Verified | Field value reflects source document |
| 732 | XXX | XXX | XXX |  |  | Original LTV | 78.82 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 790 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 790 | XXX | XXX | XXX |  |  | Borrower First Name | XXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 779 | XXX | XXX | XXX |  |  | Appraised Value |  | XXX | Verified | Field Value captured from Valuation model in file |
| 741 | XXX | XXX | XXX |  |  | Representative FICO | 763 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 741 | XXX | XXX | XXX |  |  | Contract Sales Price | XXX |  | Verified | Refinance transaction |
| 741 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 741 | XXX | XXX | XXX |  |  | Borrower First Name | XXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 789 | XXX | XXX | XXX |  |  | Contract Sales Price | XXX |  | Verified | Refinance transaction |
| 836 | XXX | XXX | XXX |  |  | As-Is Value Used For LTV Calculation | XXX | XXX | Verified | Field value reflects source document |
| 817 | XXX | XXX | XXX |  |  | Contract Sales Price | XXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 763 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 763 | XXX | XXX | XXX |  |  | Borrower First Name | XXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 764 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 764 | XXX | XXX | XXX |  |  | Borrower First Name | XXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 842 | XXX | XXX | XXX |  |  | Borrower First Name | XXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 842 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 838 | XXX | XXX | XXX |  |  | Borrower Last Name | XXX | XXX | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| |
|:---|
| ![](ex99-4sch5_001.jpg) |
| **Exception Grades** |
| **Run Date - 5/XX/2026 1:XX:41 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan 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** |
| 751 | XXX | XXX | XXX |  | XXX | XXX | 3/XX/2026 8:XX:59 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender requested an exception, which has been approved.<br>As per guidelines, in order to consider rental income from the subject property, the borrower must have a primary residence housing expense. In this case, the borrower is living rent-free at their primary residence.<br>An exception has been granted to allow the use of rental income from the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 43.12<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 780 | XXX | Reviewer Comment (2026-03-24): Lender approved exception at origination with compensating factors. |  |  | 3/XX/2026 11:XX:17 AM | 2 B | 3/XX/2026 | HI | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| 806 | XXX | XXX | XXX |  | XXX | XXX | 4/XX/2026 6:XX:02 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are 2 liens on title and only 1 was paid at closing. Provide verification the $XX lien is paid in full and released. |  |  |  | Reviewer Comment (2026-05-04): Received final title policy with no additional lien. Exception cleared.<br>Buyer Comment (2026-04-30): Title | 5/XX/2026 4:XX:58 AM |  |  | 1 C A | 4/XX/2026 | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 841 | XXX | XXX | XXX |  | XXX | XXX | 4/XX/2026 5:XX:37 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception for mortgage late in last 12 months.<br> We have a letter of explanation from the borrower explaining the mortgage late. The borrower has had a clean mortgage history since 2020 with the exception of the late in December. The borrower has steady self-employed business and currently has a balance in Business account of 149k. The borrower's primary residence has a low balance and he always pays more each month than required. Borrower provided reserves of47.3 months or $78,809.53<br> Exception Approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 54.87<br> Guideline Requirement: 0.00 | XXX | Reviewer Comment (2026-04-23): Waived with compensating factors per lender exception approval at origination. |  |  | 4/XX/2026 7:XX:35 PM | 2 B | 4/XX/2026 | CO | Investment | Purchase | B A |  | N/A | No |
| 797 | XXX | XXX | XXX |  | XXX | XXX | 4/XX/2026 9:XX:22 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $31,319.12 may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $31,319.12 may be required. |  |  |  | Reviewer Comment (2026-04-21): SitusAMC received LE dated 02/26 and 03/08<br>Buyer Comment (2026-04-20): PFA | 4/XX/2026 4:XX:26 AM |  |  | 1 C A | 4/XX/2026 | PA | Primary | Purchase | No Defined Cure A | Non QM | Exempt from ATR | No |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**NARRATIVE**

**NRMLT 2026-NQM7**

**By Canopy Financial Technology Partners LLC on May 20, 2026**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-5_001.jpg)

**Description of Services**

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

The Review consisted of a population of seven (7) loans with an aggregate principal balance of $5,285,400.

**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); Fitch Ratings and Kroll Bond Rating Agency

**Data Integrity**

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

---

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

---

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

![](ex99-5_001.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 Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

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![](ex99-5_001.jpg)

· 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;

· Financial statements;

· Award letters;

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

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![](ex99-5_001.jpg)

**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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

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

· 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;

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![](ex99-5_001.jpg)

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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![](ex99-5_001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

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![](ex99-5_001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements of the Structured Finance Association (SFA) TRID Compliance Review Scope
("TRID Grid 4.0");

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![](ex99-5_001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable
Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by
the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance with RESPA/Regulation
X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement;
Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18, 2014
requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the
right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure
of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory Arbitration – Canopy will report mandatory arbitration provisions present in the Loan
File.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds
the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· 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.

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

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

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

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

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

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**VALUATION REVIEW**

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

· With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license, and
reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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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.

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

---

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| | |
|:---|:---|
| &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. |

---

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

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (7 loans) have an overall grade of "A" and 0.00% (0 loans) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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

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**FINDINGS TABLE**

**REVIEW TABLES**

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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;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

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**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$3795400.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$1490000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5285400.00** |

---

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5285400.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5285400.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$1745400.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$3540000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5285400.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5285400.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5285400.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5285400.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5285400.00** |

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

![](ex99-5_001.jpg)

**DATA COMPARISON RESULTS**

Of the seven (7) mortgage loan files reviewed, two (2) unique loans (28.57% by number) had two (2) tape comparison discrepancies across one (1) data field.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% |

---

**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).*

 

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## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 868 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 871 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 77.74 | 77.74 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-XX-2025 Eligible |  |  |
| 873 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-XX-2026 Eligible |  |  |
| 870 | XX |  | XX | XX | XX |  | XX | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 50.55 | 50.55 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-XX-2026 Eligible |  |  |
| 872 | XX |  | XX | XX | XX |  | XX | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 57.9 | 57.9 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 869 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 68.28 | 68.28 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 877 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 57.45 | 57.45 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 868 | XX |  | XX | XX A |
| 871 | XX |  | XX | XX D A |
| 873 | XX |  | XX | XX C A |
| 870 | XX |  | XX | XX A C |
| 872 | XX |  | XX | XX D C A |
| 869 | XX |  | XX | XX A C |
| 877 | XX |  | XX | XX A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 868 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | TX | Primary Residence | Purchase | NA |  |  |  |
| 871 | XX |  | XX D A | Closed | FCRE7497 | 2026-03-13 17:11 | 2026-03-17 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement and Updated 1003 provided. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/17/2026 <br> Open-Provide the current HOA statement for the property located at XX<br>The Risk Assessment Report indicates the property is a townhouse, and the Initial 1003 reflects an HOA payment of $482.50; however, the HOA statement for XX is missing from the file. The $482.50 HOA payment from the Initial 1003 was used for qualification pending receipt of the HOA documentation. The loan remains subject to further review and additional conditions upon receipt of the required documentation. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/17/2026<br>| Resolved-HOA statement and Updated 1003 provided. - Due Diligence Vendor-03/17/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.73 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 710 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 6029-HOA Feb 26_2026_03_16_@06_00_56.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8107190 |
| 873 | XX |  | XX C A | Closed | FCRE5502 | 2026-03-16 17:48 | 2026-03-19 10:56 | Resolved | 1 - Information C A | Credit | Data | Verify Borrower Employment Verification | Resolved-Data Validation Resolved - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/18/2026 <br> Open-Provide an updated Verbal Verification of Employment (VVOE) confirming the borrower's current employment status. The VVOE dated 02/04/2026 exceeds the allowable timeframe for the 03/XX/2026 Note date, as GL requires the VVOE to be completed within 10 business days of the Note date. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/18/2026<br>| Resolved-Data Validation Resolved - Due Diligence Vendor-03/19/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.54% 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 776 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | VOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8138404 |
| 873 | XX |  | XX C A | Closed | FCRE7000 | 2026-03-15 02:59 | 2026-03-19 10:54 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, the cash to close is $1,874.11 and borrower has enough fund to close. Thank you - Seller-03/18/2026 <br>Open-Total Liquid Assets Available for Close of $3269.01 is less than Total Cash to Close $3669.01. Provide documentation evidencing sufficient verified funds to meet the required cash to close of $3,669.01. Verified funds in file total $3,269.01, resulting in a $400 shortfall. The loan remains subject to additional review upon receipt of documentation supporting the full required amount. - Due Diligence Vendor-03/15/2026 | Ready for Review-Document Uploaded. Hello, please see attached, the cash to close is $1,874.11 and borrower has enough fund to close. Thank you - Seller-03/18/2026<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-03/19/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.54% 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 776 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | PCCD-9718.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8113172 |
| 873 | XX |  | XX C A | Closed | finding-47 | 2026-03-17 09:10 | 2026-03-19 07:54 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/18/2026 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of 03/06/2026 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/17/2026 <br>Open- - Due Diligence Vendor-03/17/2026 <br>Open- - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/18/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-03/19/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.54% 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 776 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | PCCD-9718.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8148482 |
| 870 | XX |  | XX C A | Closed | finding-47 | 2026-03-17 14:24 | 2026-03-19 09:08 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/19/2026 <br>Resolved- - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/18/2026 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on 3/3/2026. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/17/2026 <br>Open- - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/18/2026<br>| Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.05 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 40.23% 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 50.55% 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 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.08 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | 25009985_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8160379 |
| 872 | XX |  | XX D A C | Closed | finding-47 | 2026-03-19 06:03 | 2026-03-25 16:47 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached. the loan disbursement on 3/16/2026. Thank you - Seller-03/20/2026 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of 03/11/26 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/19/2026 <br>Open- - Due Diligence Vendor-03/19/2026 <br>Open- - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Hello, please see attached. the loan disbursement on 3/XX/2026. Thank you - Seller-03/20/2026 | Resolved-\*\*Received PCCD. - Due Diligence Vendor-03/25/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 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 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.9% 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 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 9142_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8206110 |
| 872 | XX |  | XX D A C | Closed | FCRE1202 | 2026-03-19 11:52 | 2026-03-20 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Hello Team, please advise since the Fraud report does not have any High Risk. Please waive this condition. Thank you - Seller-03/19/2026 <br>Open-Provide an updated Fraud Report confirming all alerts have been reviewed and cleared.<br>The current Fraud Report reflects open alerts that have not been cleared. An updated report or supporting documentation evidencing the alerts have been reviewed, verified, and resolved is required. - Due Diligence Vendor-03/19/2026 | Ready for Review-Hello Team, please advise since the Fraud report does not have any High Risk. Please waive this condition. Thank you - Seller-03/19/2026<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/20/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 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 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.9% 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 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8214260 |
| 872 | XX |  | XX D A C | Closed | FPRO1245 | 2026-03-19 03:13 | 2026-03-19 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. The recert value dated on 03/04/2026. Thank you - Seller-03/19/2026 <br> Open-Primary Value Appraisal is Expired Provide a dated Recertification of Value completed on Form 1004D, as the current recertification in file is undated and not completed on the required form.<br>Per GL – Age of Appraisal and Appraisal Updates, the appraisal must be dated within 365 days of the Note date, and a recertification of value is required when the appraisal exceeds 120 days. The current appraisal dated 10/XX/2025 to the Note date of 03/XX/2026 reflects 141 days. Additional review may be required upon receipt. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. The recert value dated on 03/XX/2026. Thank you - Seller-03/19/2026 | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/19/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 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 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.9% 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 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | RECERT OF VALUE REPORT_2026_03_19_@10_34_53.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8204022 |
| 872 | XX |  | XX D A C | Closed | FCRE1467 | 2026-03-19 03:53 | 2026-03-19 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached the VOD- XX for this file. Thank you - Seller-03/19/2026 <br> Open-Asset 1 Missing Provide one bank statement (dated within 120 days of the Note date) for each XX account (ending XX and XX) to evidence sufficient verified borrower funds to cover the $2,269.63 required for closing costs and borrower funds per the Closing Disclosure.<br>The file reflects total liquid assets of $96,586.86; however, statements for the referenced accounts are not in file. Per GL – Acceptable Sources of Assets, documentation must include the financial institution name, account holder, account number, statement date/range, opening and closing balances, and transaction history (if applicable). Additional review may be required upon receipt. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Hello, please see attached the VOD- XX for this file. Thank you - Seller-03/19/2026 | Resolved-Asset 1 Provided - Due Diligence Vendor-03/19/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 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 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.9% 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 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Condition-40---VOD.pdf_2026_03_19_@10_40_32.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8204257 |
| 869 | XX |  | XX C A | Closed | finding-47 | 2026-03-25 17:25 | 2026-03-30 10:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD<br> received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-03/30/2026 <br>Resolved- - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on 03/24/2026. Thank you - Seller-03/27/2026 <br>Open- - Due Diligence Vendor-03/27/2026 <br>Open- - Due Diligence Vendor-03/27/2026 <br>Open- - Due Diligence Vendor-03/27/2026 <br>Open- - Due Diligence Vendor-03/25/2026 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-03/25/2026 <br>Open- - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on 03/XX/2026. Thank you - Seller-03/27/2026 | Resolved-PCCD<br> received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-03/30/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.28% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 68.28% 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 42.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.34% 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 721 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 26001029_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8321980 |
| 877 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | NC | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | Loan ID | Investor Loan ID | Seller Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 868 | XX | XX |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11739.16 | N/A | Employed |  | No |  | No |  |
| 871 | XX | XX |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1575 | 8.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14546.01 | N/A | Employed |  | No |  | No |  |
| 873 | XX | XX |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2375 | 6.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8872.88 | N/A | Employed |  | No |  | No |  |
| 870 | XX | XX |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 3225 | 7.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8083.15 | N/A | Employed |  | No |  | No |  |
| 872 | XX | XX |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 6.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6779.83 | N/A | Employed |  | No |  | No |  |
| 869 | XX | XX |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3245 | 6.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11720.4 | N/A | Employed |  | No |  | No |  |
| 877 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1995 | 6.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30858.51 | N/A | Employed | Unknown | No | No | No |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 869 | XX |  | XX | Qualifying Total Debt Income Ratio | 42.34 | 39.86 |
| 868 | XX |  | XX | Qualifying Total Debt Income Ratio | 44.35 | 40.17 |

---

## Exhibit 99.6

**Exhibit 99.6**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Rithm Capital. The review included a total of 34 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as NRMLT 2026-NQM7 (the "Securitization"). The Review was conducted from January 2026 through April 2026 on mortgage loans originated between January 2026 and March 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (34 loans in total):

Seven (7) loans had a Secondary Appraisal, five (5) loans had an AVM, zero (0) loans had a Field Review, and twelve (12) 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. There were one (1) occurrence of this.

Zero (0) loans had a Second Desk Review, one (1) loan had a BPO, and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the thirty-four (34) mortgage loans reviewed, thirty-one (31) unique mortgage loans (91.18% by loan count) had a total of ninety-four (94) discrepancies across nineteen (19) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;27 | &nbsp;&nbsp;28.72% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.89% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;12.77% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.45% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.32% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.19% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.19% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.19% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 32 | $34159377.00 | 94.12% |
| Event Grade B | 2 | $1996000.00 | 5.88% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 34 | $36155377.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 34 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 34 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 6 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 6 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 6 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 26 | 92.86% |
| Event Grade B | 2 | 7.14% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 28 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 34 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 34 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**39** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;High-Cost Mortgage Late Fee Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &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;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**46** |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Flood Cert or Evidence not in a Flood Zone Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**28** |

---

**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 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 859 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 887 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 856 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 866 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 888 | XX |  |  | XX C | C | C | C | C | C A | A | A | A | A | A |
| 880 | XX |  |  | XX B | A | A | A | A | A B | A | A | A | A | A |
| 878 | XX |  |  | XX B | D | D | D | D | D A | B | B | B | B | B A |
| 879 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A |
| 851 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 874 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 883 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 865 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 886 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 882 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 858 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 867 | XX |  |  | XX C | A | A | A | A | A C | A | A | A | A | A |
| 884 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 881 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 885 | XX |  |  | XX D | C | C | C | C | C A D | A | A | A | A | A |
| 875 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 850 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 853 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 852 | XX |  |  | XX A | C | C | C | C | C A | B | B | B | B | B A |
| 854 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 855 | XX |  |  | XX A | A | A | A | A | A B | A | A | A | A | A |
| 857 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 876 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 862 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 889 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 890 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

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| Marketing ID | **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 859 | XX |  | XX | XX | XX | XX | NJ | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide documentation not contained in loan file XX amount of $186: XX statement $3569; XX; HOI expired 10/XX/2025 and XX missing mortgage statement. | Document Uploaded. | 03/26/2026 | REO evidence provided | 03/30/2026 | Borrower has stable job time - Borrower has 5.19 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 859 | XX |  | XX | XX | XX | XX | NJ | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has 5.19 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3408 | Compliance | High-Cost Mortgage Late Fee Test | This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(I))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; oral value for the late charges amount was not provided. Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. This exception is related to the High Cost Mortgage Points and Fees Threshold test. If Discount Points are bona fide and excludable, providing the PAR (undiscounted) rate may cure the violation. | Document Uploaded. | 03/24/2026 | Undiscounted rate provided; exception resolved ; Undiscounted rate provided; exception resolved | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3406 | Compliance | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(I), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orthel loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orthel loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orthel High-Cost Mortgage Pre-Loan Counseling Date was not provided; orthel High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date. Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. This exception is related to the High Cost Mortgage Points and Fees Threshold test. If Discount Points are bona fide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |  | Undiscounted rate provided; exception resolved | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3393 | Compliance | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $XX or more, and the transaction's total points and fees is $19,330.00, which exceeds 5 percent of the total loan amount of $XX; XX loan amount is less than $27,592.00 and the transaction's total points and fees is $19,330.00, which exceeds the lesser of 8 percent of the total loan amount of $X9 or $1,380.00. Cure required: Refund in the amount of $428.81; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Administration Fee $1,335.00, Loan Origination Fee $8,000.00, Discount Points $8,500.00, Underwriting Fee $1,495.00. If Discount Points are bona fide and excludable, providing the PAR (undiscounted) rate may cure the violation. <br>|  |  | Undiscounted rate provided; exception resolved ; Undiscounted rate provided; exception resolved | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3399 | Compliance | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orthel High-Cost Mortgage Disclosure Date was not provided; or Neither the consummation date nor the closing date was provided. This exception is related to the High Cost Mortgage Points and Fees Threshold test. If Discount Points are bona fide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  |  | Undiscounted rate provided; exception resolved ; Undiscounted rate provided; exception resolved | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated 3/XX/2026 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation on 3/XX/2026. <br>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's 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; orthel 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 transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. | Document Uploaded. | 03/20/2026 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $8,500.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $8,500.00 is due to increase from $0 on the LE dated 1/XX/2026 to $8,500.00 on the final CD for the loan discount points. This violation can be cured by providing a disclosure dated within 3 business days of lock date of 03/XX/2026. <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 $8,500.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). | Document Uploaded. | 03/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 887 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 20.11 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Borrower has stable job time - Borrower has 25.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 9.71% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Borrower has stable job time - Borrower has 25.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 9.71% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/20/2026 | Borrower has stable job time - Borrower has 25.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 9.71% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 866 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. | Document Uploaded. | 03/27/2026 | Initial Escrow Account Disclosure is Resolved | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 740 B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 866 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 740 B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 866 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 809 is greater than Guideline minimum FICO of 740 B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within 3-business days of application, 02.03.2026. | Document Uploaded. ; Document Uploaded. | 04/01/2026 | Homeownership Counseling Disclosure received - exception resolved; Documentation attached shows Homeownership Counseling disclosure was sent, however please send entire disclosure including the 10 agencies provided. | 04/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed | Document Uploaded. | 03/31/2026 | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | 04/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/31/2026 | Required Affiliated Business Disclosure Documentation Provided.; Required Affiliated Business Disclosure Documentation Provided. | 04/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 02.26.2026, however missing proof of e-consent dated 02.26.2026 or before. | Document Uploaded. | 03/31/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 04/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8611 | Credit | Income/Employment General | Business narrative Form is required | Document Uploaded. | 03/31/2026 | Narrative provided | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,334.59.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). TILA 130b Cure Required. Refund in the amount of $4,334.59, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $4,334.59 is due to the missing Initial LE:<br>A Points - Loan Discount Fee - $1,875.00<br> A Loan Origination Fee - $1,695.00<br> B Appraisal Fee - $620.00<br> B Credit Report Fee - $54.59<br> B Flood Certification - Single Charge or Life of Loan - $11.00<br> B Tax Service Fee - $79.00<br>The exception is tied to the missing Initial LE issued within 3 business days of the application date of 2/XX/2026, as the earliest available LE is dated 2/XX/2026.<br>Please provide a copy of the initial LE dated 2/XX/2026, as referenced on the XX report (pg. 541) and any subsequent COC's as file is missing all COC's. Additional testing will be completed. | Document Uploaded. | 03/31/2026 | Initial LE received - exception resolved; Initial LE received - exception resolved | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | 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% ($2,675.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $2,675.00, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $2, 6750 is due to the missing Initial LE and the Written List of Service Providers:<br>Closing Protection Letter Fee - $125.00<br> Lender's Title Insurance Policy - $1,141.25<br> Notary Fee - $50.00<br> Settlement or Closing Fee - $200.00<br> Title - Payoff verification - $25.00<br> Title Copy Fee - $50.00<br> Title Courier Fee - $75.00<br> Title Cover Records - $75.00<br> Title Document Preparation Fee - $150.00<br> Title E-Recording - $10.00<br> Title Endorsement Fee - $450.00<br> Title Software Fee - $50.00<br> Title Wire - $25.00<br>The loan file is missing the Initial LE and the Written List of Service Providers, thereby requiring that Title fees are tested at 10% tolerance. Once these documents are provided, additional testing will take place. | Document Uploaded. | 03/31/2026 | Initial LE and SPL received - exception resolved; Initial LE and SPL received - exception resolved | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | According to the XX report, the initial Loan application date is 02/XX/2026 (pg. 541). The earliest LE in file, dated 02/XX/2026, exceeds the timing regulation. A cure requires the initial LE dated within 3 business days of 02/XX/2026. According to the XX report (pg. 541), the initial LE was issued on 02/XX/2026, but is missing from the loan file. Once the initial LE is provided, additional testing will be completed.<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 Compliance Analyzer, 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 pigeonite creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(I) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Document Uploaded. | 03/31/2026 | Initial LE received - exception resolved; Initial LE received - exception resolved | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 888 | XX |  | XX | XX | XX | XX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.85% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 5.25 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 732 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 27.69% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.85% is less than Guideline CLTV of 75% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | Document Uploaded. | 04/02/2026 | Approval/Underwriting Summary is fully present; 1008 provided | 04/03/2026 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/20/2026 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Borrower has stable job time<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 878 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $1,590.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $1,590.00 is due to increase from $695.00 on the LE dated 1/XX/2026 to $2,285.00 on the final CD dated 3/XX/2026 for the application fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,590.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). | Document Uploaded. ; Document Uploaded. PCCD Attached; Please ignore my previous comment. Still awaiting correct documents from client. ; Document Uploaded. Initial CD attached | 04/07/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided is missing copy of check. Will downgraded upon receipt of the copy of the check; | 04/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 13.1 years on job. A | D | B D A | D B A | D B A | D B A | D B A | D B A | B A | B A | B A | B A | B |
| 878 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated 3/XX/2026 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation on 3/XX/2026. (Per the compliance report in file a CD was issued on 03/XX/2026)<br>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's 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; orthel 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 transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(I) no later than three business days before consummation. | Document Uploaded. | 03/31/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 13.1 years on job. A | D | B D A | D B A | D B A | D B A | D B A | D B A | B A | B A | B A | B A | B |
| 878 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XX is Less than Total Amount of Subject Lien $XX The proposed amount of insurance on the title commitment of $XX is less than the subject loan amount of $XX. Please provide a revised title commitment with sufficient coverage. | Document Uploaded. | 03/31/2026 | Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien $XX; Title provided | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 13.1 years on job. A | D | B D A | D B A | D B A | D B A | D B A | D B A | B A | B A | B A | B A | B |
| 878 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | Documentation required to clear exception: Per the compliance report in file, a revised LE was issued on 03/XX/2026. Provide the Loan Estimate and e-consent if electronically signed. | Document Uploaded. | 03/30/2026 | LE provided; exception resolved | 03/31/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 13.1 years on job. A | D | B D A | D B A | D B A | D B A | D B A | D B A | B A | B A | B A | B A | B |
| 878 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 13.1 years on job. A | D | B D A | D B A | D B A | D B A | D B A | D B A | B A | B A | B A | B A | B |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 01/XX/2026, however missing proof of e-consent dated 01/XX/2026 or before. <br>| Document Uploaded. | 03/30/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within 3-business days of application 1/XX/2026. | Document Uploaded. | 03/30/2026 | Homeownership Counseling Disclosure Is Present or Not Applicable | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Please provide either a signed intent to proceed document or provide the date the borrower gave the lender/broker their intent to proceed. | Document Uploaded. ; Document Uploaded. | 03/30/2026 | Proof of Intent to Proceed has been provided.; Document provided was not an intent to proceed | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. <br>| Document Uploaded. | 03/30/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Verification of HOA dues for the Borrower's primary residence and investment properties were not provided. Please provide documentation confirming the monthly HOA dues for each property, or a Borrower statement confirming that no HOA dues apply. | Document Uploaded. | 03/30/2026 | HOA explanations provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Additional Appraiser (XX) and Appraisal Company (XX) have not been checked against the exclusionary lists. | Document Uploaded. | 03/30/2026 | All Interested Parties Checked against Exclusionary Lists | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1202 | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Fraud report provided is incomplete, as multiple pages are missing. Please provide the complete fraud report. | Document Uploaded. | 03/30/2026 | Third Party Fraud Report is fully present; Fraud report provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/24/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing singed HELOC closure/termination request letter or other acceptable evidence confirming the line of credit has been closed. | Document Uploaded. | 03/31/2026 | Property Title Issue Resolved; Evidence of HELOC closed provided | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 851 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 02/XX/2026, however missing proof of e-consent dated 02/XX/2026 or before. | Document Uploaded. | 03/30/2026 | Evidence of eConsent is provided. | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.04% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.55% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.83 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 851 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.04% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.55% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.83 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 851 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.04% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 63.04% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.55% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.83 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 874 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 03/31/2026 | Required Affiliated Business Disclosure Documentation Provided | 04/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.01% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.01% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 760 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 874 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.01% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.01% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 760 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 874 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.01% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.01% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 760 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 883 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 2.89 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 883 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 2.89 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 883 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 2.89 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of 26.08% is less than Guideline DTI of 38%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 8.12 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of 26.08% is less than Guideline DTI of 38%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 8.12 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of 26.08% is less than Guideline DTI of 38%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 8.12 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 865 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | 03/30/2026 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt notification provided | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.76% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 6.19 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 865 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.76% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 6.19 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 865 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of 36.76% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 6.19 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 886 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date is required, but missing from the file. If borrower waived the 3 day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | 03/31/2026 | Evidence of appraisal delivery provided. | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.55% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.55% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 8.43 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 886 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.55% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.55% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 8.43 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 882 | XX |  | XX | XX | XX | XX | DE | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 32.33% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 882 | XX |  | XX | XX | XX | XX | DE | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 32.33% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 882 | XX |  | XX | XX | XX | XX | DE | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.11 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 32.33% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. <br>| Document Uploaded. Lender LOX for Aff Bus Disc attached | 04/02/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.14% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 16.17 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.14% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 858 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.14% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 16.17 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.14% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 858 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.14% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 16.17 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.14% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 867 | XX |  | XX | XX | XX | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing 1008 and Lender Approval. | Document Uploaded. | 04/06/2026 | Approval/Underwriting Summary is fully present; 1008 provided | 04/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of 39.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 700. A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 867 | XX |  | XX | XX | XX | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $5771.53 are less than Guideline Required Reserves of $14744.61. |  |  | Audited Reserves of $5771.53 are equal to or greater than AUS Required Reserves of $0. | 04/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of 39.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 700. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 867 | XX |  | XX | XX | XX | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of 1.17 month(s) are less than Guideline Required Reserves of 3 month(s) |  |  | Audited Reserves of 1.17 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) | 04/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of 39.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 700. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 867 | XX |  | XX | XX | XX | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of 39.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 700. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 867 | XX |  | XX | XX | XX | XX | NV | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of 39.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 700. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 884 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of 34.42% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 7.27 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 884 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of 34.42% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 7.27 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 884 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of 34.42% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 7.27 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX |  | XX | XX | XX | XX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX |  | XX | XX | XX | XX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX |  | XX | XX | XX | XX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 881 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 33.43% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.07% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.07% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 6.22 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 881 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 33.43% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.07% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.07% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 6.22 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 881 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 772 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 33.43% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.07% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.07% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 6.22 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 885 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Document Uploaded. | 04/03/2026 | Third Party Fraud Report is provided; Fraud provided | 04/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of 14.83% is less than Guideline DTI of 55% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 885 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. 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 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. | Document Uploaded. | 04/03/2026 | Appraisal delivery provided; HPML compliant | 04/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of 14.83% is less than Guideline DTI of 55% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 885 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. 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. | Document Uploaded. | 04/03/2026 | Appraisal delivery provided; HPML compliant | 04/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of 14.83% is less than Guideline DTI of 55% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 885 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date is required, but missing from the file. If borrower waived the 3 day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. <br>| Document Uploaded. | 04/03/2026 | Evidence of Appraisal Delivery to the Borrower Provided. | 04/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of 14.83% is less than Guideline DTI of 55% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 885 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date is required, but missing from the file. If borrower waived the 3 day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. <br>| Document Uploaded. | 04/03/2026 | Evidence of appraisal delivery provided. | 04/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of 14.83% is less than Guideline DTI of 55% A B | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 885 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/01/2026 | Qualifying DTI below max allowed. - Calculated DTI of 14.83% is less than Guideline DTI of 55% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 875 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Program guidelines require Employment or Source of Wealth documentation. Although, the loan application lists employment, no employment verification is included in the loan file. A signed Source of Wealth explanation is also not present. Please provide either employment verification supporting the employment listed on the loan application, or a signed Source of Wealth explanation. | Document Uploaded. | 04/10/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Lox provided. | 04/13/2026 | Borrower has stable job time - Borrower has 2.21 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 728 is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 875 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Verification of HOA dues for the Borrower's investment property was not provided. Please provide documentation confirming the monthly HOA dues, or a Borrower statement confirming that no HOA dues apply. | Document Uploaded. | 04/03/2026 | Client provided First American Title Property Detail report. LM Updated. | 04/06/2026 | Borrower has stable job time - Borrower has 2.21 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 728 is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 875 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/01/2026 | Borrower has stable job time - Borrower has 2.21 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 728 is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 875 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/01/2026 | Borrower has stable job time - Borrower has 2.21 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 728 is greater than Guideline minimum FICO of 700 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 02/XX/2026; however, the file is missing proof of e-consent dated 02/XX/2026 or before. | Document Uploaded. | 04/09/2026 | Evidence of eConsent is provided. | 04/09/2026 | Borrower has stable job time - Borrower has 42.35 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 746 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.47% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.47% is less than Guideline LTV of 90% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 42.35 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 746 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.47% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.47% is less than Guideline LTV of 90% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 42.35 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 746 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.47% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.47% is less than Guideline LTV of 90% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 853 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required- First e-signed document in the file is dated 02/XX/2026; however, the file is missing proof of e-consent dated 02/XX/2026 or before. | Document Uploaded. | 04/09/2026 | Evidence of eConsent is provided. | 04/09/2026 | Borrower has stable job time - Borrower has 5.41 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 853 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 5.41 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 853 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 5.41 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 852 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I). The final sum of specific and non-specific lender credits ($2,700.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,200.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). | Document Uploaded. ; Document Uploaded. The lock was extended prior to funding this loan. Please see attached COC form and email from Lock Desk regarding lock extension cost.; Document Uploaded. | 04/17/2026 | Cure package provided to borrower within 60 days of discovery. Exception downgraded to 2/B.; This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($3,200.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,200.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; COC is not allowed on a PCCD, consummation date 03/25/26 so CD issued 03/27/2026 is a PCCD and COC will not be accepted. Per SFA guidance, PCCDs will not be permitted to rebaseline fee tolerance amounts despite occurrence of a valid changed circumstance (see example in Comment 19(f)(2)(iii)-1(ii)). Cure required. ; Tolerances cannot be reset after consummation (3/25/2026); Cure required; TILA 130b Cure required: Cure of $500.00 required for decrease in Lender credits. Lender credit decreased from Final CD issued 03/27/26 to PCCD issued 03/27/26. The 03/27/26 CD is not considered to be the Final CD as the Mortgage has a Notary date of 03/25/26. | 04/17/2026 | Borrower has stable job time - Borrower has 3.23 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 712 is greater than Guideline minimum FICO of 660.<br>Qualifying DTI below max allowed. - Calculated DTI of 22.44% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 852 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required to clear exception, The signed documents consent dated on or before 02/XX/26 is missing. | Document Uploaded. | 04/09/2026 | Evidence of eConsent is provided. | 04/10/2026 | Borrower has stable job time - Borrower has 3.23 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 712 is greater than Guideline minimum FICO of 660.<br>Qualifying DTI below max allowed. - Calculated DTI of 22.44% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 852 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has 3.23 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 712 is greater than Guideline minimum FICO of 660.<br>Qualifying DTI below max allowed. - Calculated DTI of 22.44% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 852 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has 3.23 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.91% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 52.91% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 712 is greater than Guideline minimum FICO of 660.<br>Qualifying DTI below max allowed. - Calculated DTI of 22.44% is less than Guideline DTI of 50% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 854 | XX |  | XX | XX | XX | XX | OR | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has 30.1 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760.<br>Qualifying DTI below max allowed. - Calculated DTI of 25.34% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854 | XX |  | XX | XX | XX | XX | OR | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has 30.1 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760.<br>Qualifying DTI below max allowed. - Calculated DTI of 25.34% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854 | XX |  | XX | XX | XX | XX | OR | ATR/QM: Exempt | Loan Review Complete | 04/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/07/2026 | Borrower has stable job time - Borrower has 30.1 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 783 is greater than Guideline minimum FICO of 760.<br>Qualifying DTI below max allowed. - Calculated DTI of 25.34% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX |  | XX | XX | XX | XX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. No available score Third Party Valuation. | Document Uploaded. | 04/09/2026 | Third party valuation product provided within tolerance.; UCDP provided at 1.4 | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.34% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.34% is less than Guideline CLTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 863 | XX |  | XX | XX | XX | XX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $385.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). TILA 130b Cure Required. Refund in the amount of $385.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $385.00 is due to the addition of Credit Verification Bundle Fee of $385.00 added to the Initial Closing Disclosure dated 3/XX/2026. There was no valid COC addressing the addition of the fee.  | Document Uploaded. | 04/09/2026 | Valid COC received - exception resolved; Valid COC received - exception resolved | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.34% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.34% is less than Guideline CLTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 863 | XX |  | XX | XX | XX | XX | AL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 35.34% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 740.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.34% is less than Guideline CLTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. | Document Uploaded. | 04/16/2026 | Condo Approval is provided.; Client provided Condo A esta on Form reflecting Fannie Mae Warrantable Condo, Project Type Q-Limited. Approval date 03/06/2026. LM Updated. | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of 29.28% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 776 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 2.63 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of 29.28% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 776 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 2.63 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of 29.28% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 776 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 2.63 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.63% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.63% is less than Guideline CLTV of 80% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 857 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 01/16/2026 | Resolved | 11027364976 | Property | Flood Cert or Evidence not in a Flood Zone Missing | Missing Flood Vendor name in Flood Cert. document for subject Property: XX | XX: Flood Cert | 2/4/2026 | XX: Flood Cert received | 02/04/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 857 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 01/16/2026 | Resolved | 11027398256 | Property | Hazard Insurance Missing or Defective | Hazard Insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XX | XX: Hazard uploaded | 2/10/2026 | XX: Received Hazard Insurance | 02/10/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 876 | XX |  | XX | XX | XX | XX | PA | ATR/QM Exempt | Loan Review Complete | 03/10/2026 | Resolved | 92300205064-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849 | XX |  | XX | XX | XX | XX | NY | ATR/QM Exempt | Loan Review Complete | 03/16/2026 | Resolved | 11519819519 | Credit | Closing Documentation Missing or Defective | Missing executed Closing Package documents, including the Note, Mortgage, Personal Guaranty, Riders, and Closing Disclosure, is unsigned. Please provide the executed Closing Package. | XX: signed documents | 3/18/2026 | XX: Received signed closing package | 03/19/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 862 | XX |  | XX | XX | XX | XX | OH | ATR/QM Exempt | Loan Review Complete | 03/31/2026 | Resolved | 92300204879-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 889 | XX |  | XX | XX | XX | XX | LA | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 92400203750-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 890 | XX |  | XX | XX | XX | XX | RI | ATR/QM Exempt | Loan Review Complete | 04/03/2026 | Resolved | 92400205060-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 859 | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | 70.00 | 70.00 |  |  |  |  |  |  |  |  | XX | XX | .0150 | XX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 887 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 64.52 | 64.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 856 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 70.00 | 70.00 |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 866 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.00 | 80.00 |  |  |  |  |  |  |  |  | XX | XX | .0161 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 888 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 50.85 | 50.85 | XX | XX | -.0030 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0030 | 81.0 | 0.19 | XX | XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 880 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 878 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 879 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 54.35 | 54.35 |  |  |  |  |  |  |  |  | XX | XX | .1413 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 851 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | 63.04 | 63.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 874 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 58.01 | 58.01 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 883 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 864 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 65.00 | 65.00 |  |  |  |  |  |  |  |  | XX | XX | .0078 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 865 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 70.51 | 70.51 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 886 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 35.55 | 35.55 | XX | XX | -.1440 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.1440 | 84.0 | 0.16 | XX | XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 882 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 858 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | 59.14 | 59.14 | XX | XX | -.0144 | Desk Review |  |  |  |  | XX | XX | -.0144 | XX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XX | XX | -.0144 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 867 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 70.00 | 70.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 884 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 70.00 | 70.00 | XX | 0 | .0000 | 1004 URAR |  |  |  |  | XX | 0 | .0000 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 860 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 881 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 69.07 | 69.07 | XX | XX | .1986 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | .1986 | 88.0 | 0.12 | XX | XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 885 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 875 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 59.59 | 59.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 850 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 52.94 | 52.94 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 853 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 75.00 | 75.00 | XX | XX | -.0257 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0257 | 96.0 | 0.04 | XX | XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 852 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 52.91 | 52.91 | XX | XX | .0130 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | .0130 | 88.0 | 0.12 | XX | XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 854 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | 80.06 | 80.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 863 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | 35.34 | 35.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 855 | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | 68.63 | 68.63 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 857 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 | XX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 876 | XX |  |  | XX | XX |  | 0 | XX | XX | 71A | XX | 70.00 | 70.00 | XX | 0 | .0000 | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 849 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 | XX | 75.00 | 75.00 | XX | XX | -.0435 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0435 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 862 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 | XX | 75.00 | 75.00 | XX | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 889 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 | XX | 80.00 | 80.00 | XX | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 890 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 | XX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 859 | XX |  | MIN No | XX | XX | MIN No confirmed using Deed of Trust. |
| 859 | XX |  | Property Type | Condominium | Other | Property type condominium confirmed using appraisal report. |
| 859 | XX |  | Qualifying All Borrower Residual Income | 119342.02 | 175699.17 | Not required per guidelines. |
| 887 | XX |  | Qualifying Total Reserves Number of Months | 5.38 | 6.65 | Per underwriting approval - REQUIRED RESERVES: 3.00, VERIFIED RESERVES: 6.65 |
| 887 | XX |  | Qualifying All Borrower Residual Income | 3618.42 | 3647.41 | Per approval, VERIFIED RESIDUAL: $,618.41 |
| 856 | XX |  | Qualifying All Borrower Residual Income | 197410.4 | 86679.37 | DTI is less than 43%. No residual income required, per Guidelines |
| 866 | XX |  | Property Value | XX | XX | Updated as per Appraisal Value |
| 866 | XX |  | Qualifying All Borrower Residual Income | 28390.06 | 39240.87 | Updated as per Income Documents |
| 888 | XX |  | ULI | XX | XX | ULI was confirmed with 1003 |
| 888 | XX |  | MIN No | XX | XX | MIN No was confirmed with Deed of Trust |
| 888 | XX |  | Qualifying Total Reserves Number of Months | 80.14 | 80.96 | Verified by the calculations and guidelines. |
| 888 | XX |  | Qualifying All Borrower Residual Income | 6513.12 | 7756.44 | DTI is less than 43%, so residual income updated 0 |
| 880 | XX |  | Property Value | XX | XX | Property value is $XX per appraisal report. Tape data is reporting the purchase price |
| 880 | XX |  | Property Type | Single Family Detached | PUD | Subject is a single family detached property with an HOA payment. Appraisal report does not indicate that the property is located in a PUD. |
| 880 | XX |  | Qualifying All Borrower Residual Income | 18626.35 | 25968.50 | Verified residual income is 18626.35 |
| 878 | XX |  | MIN No | XX | XX | MIN number confirmed using Mortgage. |
| 878 | XX |  | Property Value | XX | XX | Audit value of $XX is appraised value. Tape data value of $XX is sales price. |
| 878 | XX |  | Qualifying All Borrower Residual Income | 42488.83 | 61544.81 | Residual income based on verified income and total debts. |
| 879 | XX |  | Qualifying All Borrower Residual Income | 178137.18 | -16386.45 | Residual income based on verified asset and total debts. |
| 851 | XX |  | Property Value | XX | XX | Confirmed on appraisal, tape is purchase price. |
| 851 | XX |  | Property Type | Condominium | Other | Confirmed on appraisal. |
| 851 | XX |  | Qualifying Total Reserves Number of Months | 56.41 | 27.15 | Confirmed after verified assets and funds to close. |
| 851 | XX |  | Qualifying All Borrower Residual Income | 44341.1 | 57156.00 | Confirmed after PITIA and debts reflected on credit report. |
| 874 | XX |  | MIN No | XX | XX | Updated as Mortgage document |
| 874 | XX |  | Qualifying All Borrower Residual Income | 23636.51 | 38267.61 | Verified with deal Guide |
| 883 | XX |  | MIN No | XX | XX | Updated as per Mortgage |
| 883 | XX |  | Qualifying All Borrower Residual Income | 20306.76 | 28069.14 | Updated as per Guidelines |
| 864 | XX |  | MIN No | XX | XX | Verified with the Security Instrument. |
| 864 | XX |  | Qualifying FICO | 792 | 788 | Verified with the primary wage earners middle score. |
| 864 | XX |  | Qualifying All Borrower Residual Income | 150529.99 | 31353.76 | Verified with the income and liabilities. |
| 865 | XX |  | MIN No | XX | XX | Per DOT |
| 865 | XX |  | Qualifying LTV | XX | XX | Rounding |
| 865 | XX |  | Qualifying CLTV | 70.51 | 70.52 | Rounding |
| 865 | XX |  | Qualifying All Borrower Residual Income | 6241.27 | 6658.03 | Per verified income documentation |
| 886 | XX |  | ULI | XX | XX | Updated as per Final 1003 - ULI Number |
| 886 | XX |  | MIN No | XX | XX | MIN Number updated as per Mortgage |
| 886 | XX |  | Application Date | XX | XX | As per Initial 1003 Application date is 01/XX/2026 |
| 886 | XX |  | Qualifying Total Reserves Number of Months | 36.1 | 35.48 | Verified with the most recent statements and cash out. |
| 886 | XX |  | Qualifying All Borrower Residual Income | 6192.06 | 6313.06 | Residual Income updated as per Deal Guide |
| 882 | XX |  | Property Value | XX | XX | The appraisal report dated 02.XX.2026 valued the property at $XX. |
| 882 | XX |  | Qualifying All Borrower Residual Income | 23133.25 | 31326.04 | There is no guideline residual income requirement |
| 858 | XX |  | Qualifying All Borrower Residual Income | 36570.75 | 47737.85 | Per monthly income less all debts |
| 867 | XX |  | MIN No | XX | XX | MIN number matches Mortgage pg. 134 |
| 867 | XX |  | Property Value | XX | XX | property value matches appraisal pg. 2 |
| 867 | XX |  | Qualifying All Borrower Residual Income | 17898.55 | 7302.13 | Residual Income not required as DTI is is less than 43% |
| 884 | XX |  | Borrower 1 Last Name | XX | XX | Verified Borrower 1 Last Name XX as per the Note in file. |
| 884 | XX |  | MIN No | XX | XX | Verified MIN Number XX as per the Mortgage in file. |
| 884 | XX |  | Qualifying All Borrower Residual Income | 65581.72 | 85930.42 | Verified residual income not required DTI under 43%. Total income $100,000 less total obligations $34,418.28. |
| 860 | XX |  | Property Value | XX | XX | The appraised value is $XX and the purchase price is $XX |
| 860 | XX |  | MIN No | XX | XX | The MIN matches the mortgage in the file |
| 860 | XX |  | Qualifying FICO | 740 | 707 | B2's credit score is used as the primary wage earner |
| 860 | XX |  | Qualifying All Borrower Residual Income | 5210.37 | 6908.55 | IT Mapping issue |
| 881 | XX |  | Interest Rate | 6.375 | 6.2500 | Per Note |
| 881 | XX |  | Property Value | XX | XX | per Appraisal |
| 881 | XX |  | MIN No | XX | XX | Per Mortgage/Deed of Trust |
| 881 | XX |  | Qualifying LTV | XX | XX | Loan amount $XX / Appraised value $XX = 69.07 |
| 881 | XX |  | Qualifying CLTV | 69.07 | 70.28 | Loan amount $XX / Appraised value $XX = 69.07 |
| 881 | XX |  | Qualifying All Borrower Residual Income | 16902.13 | 22576.95 | Residual Income is gross monthly income less total monthly obligations. |
| 885 | XX |  | MIN No | XX | XX | min number match DOT |
| 885 | XX |  | Property Value | XX | XX | per appraisal and Avm value is $XX |
| 885 | XX |  | Application Date | XX | XX | app date is listed as 02/XX/2026 |
| 885 | XX |  | Qualifying All Borrower Residual Income | 40399.26 | 47560.87 | residual is $40,399.26, also match 1008 |
| 875 | XX |  | MIN No | XX | XX | MIN number confirmed using Mortgage. |
| 875 | XX |  | Property Value | XX | XX | Property value confirmed using appraisal. |
| 875 | XX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | FDAQ program (no DTI). |
| 875 | XX |  | Qualifying LTV | XX | XX | LTV variance due to rounding. |
| 875 | XX |  | Qualifying CLTV | 59.59 | 60.00 | CLTV variance due to rounding. |
| 875 | XX |  | Qualifying All Borrower Residual Income | -9839.67 | -5984.54 | Residual income based on verified asset and total debts. |
| 850 | XX |  | Property Value | XX | XX | Property Value updated as per Appraisal, lower purchase price used to qualify. |
| 850 | XX |  | Property Type | PUD | Single Family Detached | Property Type updated as per Appraisal |
| 850 | XX |  | Qualifying Total Reserves Number of Months | 83.19 | 94.16 | Verified with the most recent asset statements, No evidence of the clearance of the EMD. |
| 850 | XX |  | Qualifying All Borrower Residual Income | 14388.2 | 16067.99 | Verified with the income and liabilities. |
| 853 | XX |  | Property Type | PUD | Single Family Detached | Property type is captured as Appraisal |
| 853 | XX |  | Qualifying All Borrower Residual Income | 3841.03 | 4260.03 | Verified with the income and liabilities. |
| 854 | XX |  | Sales Price | XX | XX | Per the final CD, the subject loan transaction closing costs were $10,475.60. The seller credit was $10,900. The interested party contributions exceed the total closing costs, the sales price of $XX was reduced by the excess amount.<br> $545,000 - $424.40 = $XX sales price. |
| 854 | XX |  | Prepayment Penalty Total Term | 0 | 48 | Per the subject note. |
| 854 | XX |  | Property Value | XX | XX | Per the subject property appraisal, the subject property value is $XX |
| 854 | XX |  | Application Date | XX | XX | Per the initial 1003, the date is 03.XX.2026. |
| 854 | XX |  | Qualifying CLTV | 80.06 | 80.00 | Audit CLTV of 80.06 is due to: Per the final CD, the subject loan transaction closing costs were $10,475.60. The seller credit was $10,900. The interested party contributions exceed the total closing costs, the sales price of $XX was reduced by the excess amount. $XX - $424.40 = $XXsales price. Per the subject property appraisal, the subject property value is $XX0. |
| 854 | XX |  | Qualifying LTV | XX | XX | Audit LTV of 80.06 is due to: Per the final CD, the subject loan transaction closing costs were $10,475.60. The seller credit was $10,900. The interested party contributions exceed the total closing costs, the sales price of $XX was reduced by the excess amount. $XX- $424.40 = $XX sales price.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Per the subject property appraisal, the subject property value is $XX. |
| 854 | XX |  | Qualifying Total Reserves Number of Months | 7.69 | 15.38 | Verified per asset documentation and the final CD in the loan file. |
| 854 | XX |  | Prepayment Penalty | No | Yes | Per the subject note. |
| 854 | XX |  | Qualifying All Borrower Residual Income | 7470.23 | 6637.39 | Per the income verification documents and liabilities documents. |
| 863 | XX |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | 2YR Full Doc | Verified Doc Type- Asset Depletion – Debt Ratio Calculation |
| 863 | XX |  | Qualifying All Borrower Residual Income | 3859.13 | 4267.27 | Qualifying All Borrower Residual Income-3859.13 |
| 855 | XX |  | Qualifying Total Reserves Number of Months | 8.8 | 8.05 | Verified Number of Qualifying Total Reserves Number of Months 8.8 |
| 855 | XX |  | Qualifying All Borrower Residual Income | 10011.49 | 10657.89 | Qualifying All Borrower Residual Income $10011.49 |
| 857 | XX |  | DSCR | 1.09 | 1.00 | $3,700 Rent / $3,404.82 PITIA = 1.09 DSCR |
| 857 | XX |  | T & I Payment | 1545.55 | 1695.00 | $657.52 Taxes + $90.03 Insurance +798.00 HOA= $1,545.55 T&I |
| 876 | XX |  | T & I Payment | 1011.72 | 753.00 | $259.08 Tax + $752.64 Insurance = $1,011.2 T&I |
| 849 | XX |  | DSCR | 1.91 | 1.75 | $11,331.00 Rent / $5931.49 PITIA = 1.91 DSCR |
| 862 | XX |  | DSCR | 1.13 | 1.10 | $1,500.00 Rents / $1,328.93 PITIA = 1.13 DSCR |
| 862 | XX |  | Mo Pymt (P&I) | 1061.69 | 416.67 | P&I is $1,061.69 |
| 862 | XX |  | T & I Payment | 267.24 | 303.00 | $193.41 Tax + $73.83 Ins = $267.24 T&I |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM7**

**By Clarifii LLC on May 19, 2026**

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 84 Loan (the "Loans") originated by a correspondent lender and acquired by Rithm Capital, LLC. (the "Clients") for the NRMLT 2026-NQM7 transaction. The loan referenced in this narrative report was reviewed between 03/2026 and 04/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;$254400.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$2165600.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;79 | &nbsp;&nbsp;94.05% | &nbsp;&nbsp;$48331424.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50751424.00** |

---

The Review consisted of a population of 84 Loan, with an aggregate principal balance of $50,751,424.00.

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

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

**LOAN SAMPLING**

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 2

![](ex99-7_001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |

---

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 3

![](ex99-7_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 4

![](ex99-7_001.jpg)

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 5

![](ex99-7_001.jpg)

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

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 6

![](ex99-7_001.jpg)

**DOCUMENT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 7

![](ex99-7_001.jpg)

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

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- 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.

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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**VALUATION REVIEW**

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· For
Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a
Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review
was not obtained/required based on market acceptance of UCDP Risk Score.

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**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA or <br> Acceptable UCDP Risk <br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU/LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;76.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;23.81% |
| &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;**84** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.14% |
| &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;**84** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;67 | &nbsp;&nbsp;79.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;20.24% |
| &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;**84** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$50751424.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50751424.00** |

---

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**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;24 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$23055033.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;60 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$27696391.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50751424.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;53 | &nbsp;&nbsp;63.10% | &nbsp;&nbsp;$28222308.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;31 | &nbsp;&nbsp;36.90% | &nbsp;&nbsp;$22529116.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50751424.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$50751424.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50751424.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;$545300.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.81% | &nbsp;&nbsp;$50206124.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$50751424.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;83 | &nbsp;&nbsp;66.27% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;83 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;4 | &nbsp;&nbsp;82 | &nbsp;&nbsp;95.12% |

---

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 17

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;83 | &nbsp;&nbsp;96.39% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;83 | &nbsp;&nbsp;73.49% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;9 | &nbsp;&nbsp;13 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;75 | &nbsp;&nbsp;83 | &nbsp;&nbsp;9.64% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;83 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;83 | &nbsp;&nbsp;86.75% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;9 | &nbsp;&nbsp;83 | &nbsp;&nbsp;89.16% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;76 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |

---

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 18

![](ex99-7_001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

NRMLT 2026-NQM7 DUE DILIGENCE NARRATIVE REPORT – PagE \| 19

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 861 | XX | XX | XX | XX D B A |
| 176 | XX |  | XX | XX D A |
| 175 | XX |  | XX | XX D A |
| 174 | XX |  | XX | XX D A |
| 173 | XX |  | XX | XX C A |
| 202 | XX |  | XX | XX A |
| 194 | XX |  | XX | XX C A |
| 196 | XX |  | XX | XX C B A |
| 177 | XX |  | XX | XX C A B |
| 193 | XX |  | XX | XX A |
| 199 | XX |  | XX | XX C A |
| 241 | XX |  | XX | XX A |
| 191 | XX |  | XX | XX A |
| 232 | XX |  | XX | XX D B A |
| 187 | XX |  | XX | XX C A B |
| 210 | XX |  | XX | XX C A |
| 245 | XX |  | XX | XX D A |
| 192 | XX |  | XX | XX D A B |
| 178 | XX |  | XX | XX A C B |
| 197 | XX |  | XX | XX A |
| 224 | XX |  | XX | XX C A |
| 195 | XX |  | XX | XX A |
| 211 | XX |  | XX | XX C A B |
| 213 | XX |  | XX | XX A |
| 235 | XX |  | XX | XX C A |
| 219 | XX |  | XX | XX A |
| 206 | XX |  | XX | XX A C |
| 198 | XX |  | XX | XX C A B |
| 169 | XX |  | XX | XX A C |
| 214 | XX |  | XX | XX C A |
| 188 | XX |  | XX | XX A |
| 181 | XX |  | XX | XX A C B |
| 234 | XX |  | XX | XX A C |
| 212 | XX |  | XX | XX A |
| 215 | XX |  | XX | XX A |
| 168 | XX |  | XX | XX A |
| 179 | XX |  | XX | XX C A B |
| 225 | XX |  | XX | XX D B A |
| 209 | XX |  | XX | XX C A |
| 190 | XX |  | XX | XX C A |
| 189 | XX |  | XX | XX A |
| 242 | XX |  | XX | XX C A |
| 171 | XX |  | XX | XX C A |
| 236 | XX |  | XX | XX D A |
| 230 | XX |  | XX | XX D B A |
| 238 | XX |  | XX | XX A |
| 233 | XX |  | XX | XX D C A B |
| 205 | XX |  | XX | XX A |
| 203 | XX |  | XX | XX A |
| 216 | XX |  | XX | XX C A |
| 222 | XX |  | XX | XX D A |
| 240 | XX |  | XX | XX C A |
| 223 | XX |  | XX | XX A |
| 207 | XX |  | XX | XX A |
| 229 | XX |  | XX | XX C A |
| 244 | XX |  | XX | XX D B A |
| 221 | XX |  | XX | XX A |
| 165 | XX |  | XX | XX A |
| 231 | XX |  | XX | XX D B A |
| 220 | XX |  | XX | XX A |
| 217 | XX |  | XX | XX D C A B |
| 204 | XX |  | XX | XX A |
| 183 | XX |  | XX | XX A |
| 226 | XX |  | XX | XX D B A |
| 227 | XX |  | XX | XX A |
| 166 | XX |  | XX | XX C A |
| 200 | XX |  | XX | XX D B A |
| 208 | XX |  | XX | XX A |
| 180 | XX |  | XX | XX A |
| 228 | XX |  | XX | XX A |
| 239 | XX |  | XX | XX A |
| 182 | XX |  | XX | XX A |
| 172 | XX |  | XX | XX A |
| 218 | XX |  | XX | XX A |
| 185 | XX |  | XX | XX A |
| 243 | XX |  | XX | XX D A |
| 186 | XX |  | XX | XX D C A |
| 170 | XX |  | XX | XX A |
| 164 | XX |  | XX | XX C A B |
| 184 | XX |  | XX | XX A C |
| 246 | XX |  | XX | XX C A |
| 237 | XX |  | XX | XX A |
| 201 | XX |  | XX | XX D A |
| 167 | XX |  | XX | XX A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 861 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4808.55 | 6.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9708.92 | N/A | Employed |  | No |  | No |  |
| 176 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 420857.29 | Yes | Employed | Employed | No | No | Yes | Present |
| 175 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 420212.73 | Yes | Employed | Employed | No | No | Yes | Present |
| 174 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 173 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 202 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 194 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12475 | 6.747 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7482.39 | Yes | Employed |  | No |  | No |  |
| 196 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14975 | 6.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13687.39 | Yes | Employed |  | No |  | No |  |
| 177 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19264.73 | Yes | Employed |  | No |  | Yes | Present |
| 193 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 199 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 11657.33 | Yes | Employed |  | No |  | Yes | Present |
| 241 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 191 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 232 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4321.25 | 6.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3197.61 | Yes | Employed |  | No |  | No |  |
| 187 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 31171.88 | 9.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28100.2 | Yes | Employed |  | No |  | No |  |
| 210 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 245 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 192 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22512.5 | 6.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34025.41 | Yes | Employed |  | No |  | No |  |
| 178 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 45303.13 | 8.923 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22617.02 | Yes | Employed |  | No |  | No |  |
| 197 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 28015.01 | N/A | Employed |  | No |  | Yes | Present |
| 224 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 195 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 211 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 13261.4 | 8.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34054.18 | Yes | Employed |  | No |  | No |  |
| 213 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 235 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 219 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 206 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19790 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27019.33 | Yes | Employed |  | No |  | No |  |
| 198 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21137.87 | Yes | Employed |  | No |  | Yes | Present |
| 169 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 214 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22717 | 6.423 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 166341.51 | Yes | Employed |  | No |  | No |  |
| 188 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14607.39 | Yes | Employed |  | No |  | Yes | Present |
| 181 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15715 | 7.019 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10984.4 | Yes | Employed |  | No |  | No |  |
| 234 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25695 | 7.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28468.07 | Yes | Employed |  | No |  | No |  |
| 212 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 215 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 168 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 68935.21 | Yes | Employed |  | No |  | Yes | Present |
| 179 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 50002.05 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 220318.97 | Yes | Employed |  | No |  | No |  |
| 225 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27575 | 6.752 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 29422.74 | Yes | Employed | Employed | No | No | No |  |
| 209 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 190 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 189 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 242 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 171 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 236 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37568.46 | Yes | Employed |  | No |  | Yes | Present |
| 230 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14195 | 6.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14080.77 | Yes | Employed |  | No |  | No |  |
| 238 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 233 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11726.56 | 6.508 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20644.29 | Yes | Employed |  | No |  | No |  |
| 205 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 203 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 216 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13651.17 | Yes | Employed | Employed | No | No | Yes | Present |
| 222 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 240 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 73701.55 | Yes | Employed |  | No |  | Yes | Present |
| 223 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 207 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | Yes | Yes | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 229 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 244 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995 | 7.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35502.05 | Yes | Employed |  | No |  | No |  |
| 221 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 165 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 231 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12367.7 | 6.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40908.31 | Yes | Employed |  | No |  | No |  |
| 220 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 217 | XX |  | XX | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | Yes | 9455 | 7.87 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5059.53 | Yes | Employed |  | No |  | No |  |
| 204 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 183 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 226 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 19006.25 | 6.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50285.42 | Yes | Employed |  | No |  | No |  |
| 227 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 166 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 200 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9546.47 | 6.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12398.88 | Yes | Employed |  | No |  | No |  |
| 208 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 180 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 228 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 239 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 182 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 172 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 218 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 185 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17975 | 7.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9416.36 | Yes | Employed |  | No |  | No |  |
| 243 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 186 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3598.66 | 6.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3296.79 | N/A | Employed |  | No |  | No |  |
| 170 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 164 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 184 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12075 | 7.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5174.94 | Yes | Employed |  | No |  | No |  |
| 246 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 237 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 201 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6990.7 | Yes | Employed |  | No |  | Yes | Present |
| 167 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 861 | XX | XX | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 49.86 | 49.86 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 176 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XX | XX | -.2336 | 86 | 0.14 | XX | XX | XX | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 175 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XX | XX | -.1743 | 85 | 0.15 | XX | XX | XX | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 174 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60 | 60 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 | Eligible | 1 | 02-XX-2026 |
| 173 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60 | 60 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 | Eligible | 1 | 02-XX-2026 |
| 202 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 194 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 03-XX-2026 |
| 196 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 177 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 57.14 | 57.14 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 193 | XX |  | XX | XX | XX | XX | XX | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 199 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 | Eligible | 2.2 | 03-XX-2026 |
| 241 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-XX-2026 | Eligible |  |  |
| 191 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60 | 60 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 232 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 65 | 65 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 187 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85 | 85 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 210 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 69.79 | 69.79 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-XX-2026 |
| 245 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 68.25 | 68.25 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 | Eligible | 1.2 | 03-XX-2026 |
| 192 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 85 | 85 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-XX-2026 |
| 178 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85 | 85 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 03-XX-2026 |
| 197 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 72.12 | 72.12 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 224 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-XX-2026 |
| 195 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 03-XX-2026 |
| 211 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 213 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 235 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.58 | 74.58 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 |
| 219 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 | Eligible | 1.2 | 03-XX-2026 |
| 206 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 74 | 74 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 198 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 03-XX-2026 |
| 169 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 214 | XX |  | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 49.81 | 49.81 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-XX-2026 |
| 188 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-XX-2026 |
| 181 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 234 | XX |  | XX | XX | XX | XX | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 212 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 67.31 | 67.31 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 215 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 72.97 | 72.97 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-XX-2026 |
| 168 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 62.5 | 62.5 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-XX-2026 |
| 179 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 67.8 | 67.8 | XX | XX | .0330 | 1004 URAR |  |  |  |  | XX | XX | .0330 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-XX-2026 |
| 225 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | XX | -.0169 | 1004 URAR |  |  |  |  | XX | XX | -.0169 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-XX-2026 |
| 209 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60 | 60 | XX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 | Eligible |  |  |
| 190 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 46.56 | 46.56 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 189 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 242 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 171 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 65 | 65 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 236 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-XX-2026 | Not Eligible | 1.2 | 03-XX-2026 |
| 230 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60 | 60 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 238 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 65 | 65 | XX | XX | -.0145 | 1004 URAR |  |  |  |  | XX | XX | -.0145 | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-XX-2026 |
| 233 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-XX-2026 |
| 205 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 67.19 | 67.19 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 | Eligible | 1.5 | 03-XX-2026 |
| 203 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-XX-2026 |
| 216 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 222 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 67.71 | 67.71 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-XX-2026 | Not Eligible |  |  |
| 240 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 223 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 21.79 | 21.79 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 207 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible | 1.3 | 03-XX-2026 |
| 229 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.07 | 66.07 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-XX-2026 |
| 244 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90 | 90 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-XX-2026 | Not Eligible | 1 | 03-XX-2026 |
| 221 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 68.85 | 68.85 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 165 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 231 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 220 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 217 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 | Eligible | 1.2 | 04-XX-2026 |
| 204 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible |  |  |
| 183 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible |  |  |
| 226 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 227 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65 | 65 | XX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-XX-2026 | Eligible | 1.9 | 03-XX-2026 |
| 166 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 |
| 200 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 47.7 | 47.7 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 208 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 180 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 59.08 | 59.08 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-XX-2026 |
| 228 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 59.87 | 59.87 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 239 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-XX-2026 |
| 182 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 172 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 64.1 | 64.1 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 218 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 185 | XX |  | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 34.29 | 34.29 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-XX-2026 |
| 243 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 69.12 | 69.12 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 186 | XX |  | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 33.18 | 33.18 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 170 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 72.44 | 72.44 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-XX-2026 |
| 164 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75 | 75 | XX | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 184 | XX |  | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 42.6 | 42.6 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 |
| 246 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-XX-2026 |
| 237 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70 | 70 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 201 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80 | 80 | XX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 | Eligible | 2.2 | 03-XX-2026 |
| 167 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 29.85 | 29.85 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XX | XX | -.0206 | 79 | 0.21 | XX | XX | XX | XX | 0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 176 | XX |  | XX | XX | Note Date | notePage | XX | XX | per Note |
| 176 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per UW notes on 1008 |
| 175 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 175 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | UW warrantable notes on 1008. |
| 174 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 174 | XX |  | XX | XX | Borrower 1 First Name | notePage | XX | XX | Per note |
| 174 | XX |  | XX | XX | Borrower 1 SSN | the1003Page | XX | XX | Foreign National. |
| 174 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per Initial 1003 |
| 174 | XX |  | XX | XX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| 173 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 173 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per Credit Report |
| 173 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 173 | XX |  | XX | XX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| 173 | XX |  | XX | XX | Calculated DSCR | diligenceFinalLookPage | 1.179 | 1.333 | Market rent/PITI. |
| 202 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 202 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per initial 1003 |
| 194 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 194 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008. |
| 196 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 196 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008 the Project in Warrantable. |
| 177 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 177 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 193 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 193 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | initial 1003 |
| 193 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal. |
| 193 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 161.50 | DSCR loan, no DTI |
| 199 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 199 | XX |  | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per note |
| 241 | XX |  | XX | XX | Note Date | notePage | XX | XX | per executed note |
| 241 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per initial 1003 |
| 191 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 232 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 232 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | warrantability not provided from lender |
| 232 | XX |  | XX | XX | B1 Originator Citizenship Designation | fraudReportPage | Permanent Resident Alien | USCitizen | Proof of residency is required |
| 187 | XX |  | XX | XX | Note Date | notePage | XX | XX | per final note |
| 187 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal and 1008 |
| 187 | XX |  | XX | XX | Cash Disbursement Date | finalCdDetailPage | XX | XX | per final cd and pccd |
| 210 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 210 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionnaire. |
| 245 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per application |
| 192 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 192 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | 2 unit condo-waiver eligible |
| 178 | XX |  | XX | XX | Note Date | notePage | XX | XX | per Note |
| 197 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 224 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 7651.17 | DSCR no DTI |
| 195 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 195 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 7545.33 | DSCR loan - no DTI - per 1003/1008 |
| 213 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 213 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per initial 1003 |
| 213 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 235 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 219 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 219 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Initial 1003 |
| 219 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3401.74 | DSCR, no DTI |
| 206 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 198 | XX |  | XX | XX | HOA Flag | propertyValuationPage | No | Y | From appraisal report |
| 214 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 214 | XX |  | XX | XX | Vested Business Entity Name | deedOfTrustPage | XX | XX | Per DOT |
| 188 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 188 | XX |  | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 181 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 234 | XX |  | XX | XX | Note Date | notePage | XX | XX | per Note |
| 212 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 212 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per credit report |
| 215 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 215 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | per cd |
| 168 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 168 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | per cd |
| 179 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 179 | XX |  | XX | XX | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | per 1003 |
| 179 | XX |  | XX | XX | Vested Business Entity Name | deedOfTrustPage | XX | XX | per dot |
| 225 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 225 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.94 | 39.39 | Due to audit using debt from UDM |
| 209 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 190 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 190 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per initial 1003 |
| 190 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per final CD |
| 189 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 189 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per app |
| 189 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal. |
| 242 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 242 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | per cd |
| 171 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 171 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per 1003 |
| 171 | XX |  | XX | XX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |
| 236 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 230 | XX |  | XX | XX | Note Date | notePage | XX | XX | per Note |
| 230 | XX |  | XX | XX | Cash Disbursement Date | finalCdDetailPage | XX | XX | per CD |
| 238 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 238 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per final CD |
| 238 | XX |  | XX | XX | Primary Appraised Property Value | propertyValuationPage | XX | XX | Per listing price in last 12 months |
| 233 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 205 | XX |  | XX | XX | Note Date | notePage | XX | XX | per Note |
| 205 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per 1003 |
| 203 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 203 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per credit report |
| 216 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 216 | XX |  | XX | XX | Borrower 2 First Name | notePage | XX | XX | Per Note |
| 216 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 222 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 222 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Initial 1003 |
| 222 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Final CD |
| 222 | XX |  | XX | XX | Calculated DSCR | diligenceFinalLookPage | 1.285 | 1.19 | Matches 1008 |
| 240 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 223 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 223 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per Loan approval |
| 223 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 207 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 207 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per initial 1003 |
| 207 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per appraisal |
| 229 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 229 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per credit report |
| 244 | XX |  | XX | XX | Note Date | notePage | XX | XX | per executed note |
| 165 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 165 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Initial application |
| 165 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Appraisal |
| 165 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 482.06 | DSCR, no DTI |
| 231 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 231 | XX |  | XX | XX | Cash Disbursement Date | finalCdDetailPage | XX | XX | Final CD |
| 217 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 217 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per condo questionnaire |
| 217 | XX |  | XX | XX | Primary Appraised Property Value | propertyValuationPage | XX | XX | per appraisal |
| 204 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 183 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per executed Note in file |
| 183 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per executed 1003 in file |
| 183 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD in file |
| 226 | XX |  | XX | XX | Note Date | notePage | XX | XX | per executed note |
| 166 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 166 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per initial application |
| 166 | XX |  | XX | XX | Borrower 2 SSN | the1003Page | XX | XX | Foreign National. |
| 166 | XX |  | XX | XX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 |
| 166 | XX |  | XX | XX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 |
| 166 | XX |  | XX | XX | Calculated DSCR | diligenceFinalLookPage | 1.037 | 1.205 | Lender DSCR Breakdown not provided Market rent/PITI |
| 200 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 208 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 208 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per 1003 in file |
| 208 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 180 | XX |  | XX | XX | Note Date | notePage | XX | XX | per Note |
| 180 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3597.82 | DSCR |
| 228 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 228 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per initial 1003 |
| 239 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 239 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per initial 1003 |
| 182 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 182 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | per final cd |
| 182 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 182 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 5.42 | DSCR - no dti |
| 172 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 172 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 218 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 218 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Initial 1003 |
| 218 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 185 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 243 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 243 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 186 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 186 | XX |  | XX | XX | Cash Disbursement Date | finalCdDetailPage | XX | XX | Per Final CD |
| 170 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 170 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per credit report |
| 170 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per CD |
| 164 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 164 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per drive report |
| 164 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Settlement Statement |
| 164 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| 164 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 821.55 | DSCR loan |
| 184 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note. |
| 246 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per executed Note in file |
| 246 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD in file |
| 237 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 237 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per initial 1003 |
| 201 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 201 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 167 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 167 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 861 | XX | XX | XX D B A | Closed | FCRE5782 | 2026-03-27 15:42 | 2026-04-03 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Received UDM - Due Diligence Vendor-04/03/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 27.18<br>LTV is less than guideline maximum - Required is 75 Borrower has 49.86<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8366816 |
| 861 | XX | XX | XX D B A | Closed | FCOM5135 | 2026-03-26 15:53 | 2026-03-26 15:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/26/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 27.18<br>LTV is less than guideline maximum - Required is 75 Borrower has 49.86<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8345277 |
| 176 | XX |  | XX D A | Closed | FCRE1764 | 2026-04-02 08:15 | 2026-04-09 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-CD's provided for REO's. REO worksheet updated. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026 <br> Counter-Received CDs. CDs do not reflect unit numbers. Unable to determine which cds are for which properties. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026 <br> Open-Provide loan docs to verify New xx loan terms and escrows for the following properties: Property 3I, Property 3J, Property 3K, Property 3I, Property 3M, Property 3N, Property 3O, Property 3P, Property 3Q - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026<br>| Resolved-CD's provided for REO's. REO worksheet updated. - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8449276 |
| 176 | XX |  | XX D A | Closed | FCRE7805 | 2026-04-02 08:16 | 2026-04-07 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received missing bank statement. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026 <br> Open-Provide missing Bank Statement XXX for 3.01.25 - 3.31.25, used for income qualifying. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026<br>| Resolved-Received missing bank statement. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8449294 |
| 176 | XX |  | XX D A | Closed | FCRE1148 | 2026-04-01 14:40 | 2026-04-07 16:09 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide Title Insurance that equals loan amount. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026<br>| Resolved-Received updated Title. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8436133 |
| 175 | XX |  | XX D A | Closed | FCRE1148 | 2026-04-03 07:52 | 2026-04-10 13:01 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title policy dated 03/xx/2026 reflecting lender policy amount $xx - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide Title Insurance sufficient to cover loan amount. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026<br>| Resolved-Received title policy dated 03/30/2026 reflecting lender policy amount $XX- Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8471781 |
| 175 | XX |  | XX D A | Closed | FCRE0044 | 2026-04-03 09:38 | 2026-04-09 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026 <br>Open-LOX for credit inquiries is missing. Provide missing inquiry LOX for B2. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026<br>| Resolved-Inquiry letter provided. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8473359 |
| 175 | XX |  | XX D A | Closed | FCRE1342 | 2026-04-03 09:15 | 2026-04-09 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Business bank statements provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Please refer to uploaded documents i - Seller-04/08/2026 <br> Counter-Received 12 month statements from xx, pending lender summary/ income calculation worksheet. Review has not started income calculations. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026 <br> Open-Borrower 1 Business Bank Statements Missing Provide missing 12m business bank statements used in qualifying. - Due Diligence Vendor-04/03/2026 | Ready for Review-Please refer to uploaded documents i - Seller-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026<br>| Resolved-Business bank statements provided - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8472925 |
| 175 | XX |  | XX D A | Closed | FCRE7806 | 2026-04-03 09:15 | 2026-04-09 16:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Income calculation provided., - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Please refer to uploaded documents i - Seller-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026 <br>Counter-Please attach the bank statement summary/ Lender income calculation worksheet. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Please see attached. - Seller-04/07/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide Lender 12m Business Bank Statement Worksheet - Due Diligence Vendor-04/03/2026 | Ready for Review-Please refer to uploaded documents i - Seller-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026 <br>Ready for Review-Please see attached. - Seller-04/07/2026<br>| Resolved-Income calculation provided., - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8472927 |
| 175 | XX |  | XX D A | Closed | FCRE1764 | 2026-04-03 09:56 | 2026-04-08 17:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received closing CD for XX refinances for properties 3I, Property 3J, Property 3K, Property 3I, Property 3M, Property 3N, Property 3O, Property 3P, Property 3Q - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026 <br> Open-Provide loan docs to verify New xx loan terms and escrows for the following properties:<br> Property 3I, Property 3J, Property 3K, Property 3I, Property 3M, Property 3N, Property 3O, Property 3P, Property 3Q - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/07/2026<br>| Resolved-Received closing CD for xx refinances for properties 3I, Property 3J, Property 3K, Property 3I, Property 3M, Property 3N, Property 3O, Property 3P, Property 3Q - Due Diligence Vendor-04/08/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 8473757 |
| 174 | XX |  | XX D A | Closed | FCRE5770 | 2026-04-03 08:25 | 2026-04-27 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received updated 1003 with 999-99-9999 for Foreign National - Due Diligence Vendor-04/27/2026 <br> Counter-Please provide evidence the SSN is a SIN as borrower is from xx. In addition per the W-9 borrower confirmed the SSN. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. Borrower is a Foreign National and does not have a U.S. Social Security Number (SSN) or ITIN. The previously reported number (xx) is a XXX. Per Guide Section 4.6.3, the URLA has been updated to show 999-99-9999 in the SSN field, which is the standard for Foreign National borrowers without a U.S. SSN. Therefore, a U.S. credit report is not required, and the loan approval with the reported qualifying scores remains valid. 4-04 2:41 pm - Seller-04/06/2026 <br> Open-Borrower 1 Credit Report is Missing. Loan Approval reflects Borrower's credit scores, along with 1008 and Loan confirmation qualifying score. Borrower is a Foreign National, however, she has a US social security number. Guidelines state a U.S. credit report should be obtained for each Foreign National borrower with a valid Social Security Number. The Borrower's social security number was provided however the required credit report is missing. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Document Uploaded. Borrower is a Foreign National and does not have a U.S. Social Security Number (SSN) or ITIN. The previously reported number (XX is a XXX. Per Guide Section 4.6.3, the URLA has been updated to show 999-99-9999 in the SSN field, which is the standard for Foreign National borrowers without a U.S. SSN. Therefore, a U.S. credit report is not required, and the loan approval with the reported qualifying scores remains valid. 4-04 2:41 pm - Seller-04/06/2026 | Resolved-Received updated 1003 with 999-99-9999 for Foreign National - Due Diligence Vendor-04/27/2026<br>| Months Reserves exceed minimum required - 87 months of reserves exceeds the minimum required 0 months.<br>Long term residence - Borrower occupied primary for 5 year per 1003. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8472210 |
| 174 | XX |  | XX D A | Closed | FCRE0045 | 2026-04-03 08:33 | 2026-04-08 17:16 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Form received - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached ACH Form that was uploaded o your system. Please clear this finding. - Seller-04/06/2026 <br> Open-Foreign National but the ACH form is Missing from file. Guidelines require an Automatic Payment Authorization (ACH) Form for all Foreign National Borrowers. The Borrower is a Foreign National from xx and must provide an ACH form, to meet guideline requirements. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Please see attached ACH Form that was uploaded o your system. Please clear this finding. - Seller-04/06/2026<br>| Resolved-Form received - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - 87 months of reserves exceeds the minimum required 0 months.<br>Long term residence - Borrower occupied primary for 5 year per 1003. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8472323 |
| 174 | XX |  | XX D A | Closed | FCRE1440 | 2026-04-06 08:40 | 2026-04-08 17:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, FN housing history has been met. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Per guideline Section 4.6.4 – Foreign National Housing History, a housing history for the borrower's primary residence is not required.<br>The borrower's primary residence, as disclosed on the 1003, is a foreign address located in XXX, which meets the criteria for Foreign National treatment under the applicable guidelines.<br>Based on this, the condition requesting verification of primary mortgage ownership (free and clear) is not applicable and should be considered satisfied. - Seller-04/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Credit application reflects the borrower owns primary residence. Please provide evidence primary mortgage is owned F/C. - Due Diligence Vendor-04/06/2026 | Ready for Review-Per guideline Section 4.6.4 – Foreign National Housing History, a housing history for the borrower's primary residence is not required.<br>The borrower's primary residence, as disclosed on the 1003, is a foreign address located in XX, which meets the criteria for Foreign National treatment under the applicable guidelines.<br>Based on this, the condition requesting verification of primary mortgage ownership (free and clear) is not applicable and should be considered satisfied. - Seller-04/06/2026 | Resolved-Upon further review, FN housing history has been met. - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - 87 months of reserves exceeds the minimum required 0 months.<br>Long term residence - Borrower occupied primary for 5 year per 1003. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8496993 |
| 173 | XX |  | XX C A | Closed | FCRE0045 | 2026-04-03 11:50 | 2026-04-07 14:52 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH form. - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached ACH Form that was uploaded to your system. Please clear this finding. - Seller-04/06/2026 <br>Open-Foreign National but the ACH form is Missing from file. Guidelines require an Automatic Payment Authorization (ACH) Form for all Foreign National Borrowers. The Borrower is a Foreign National from XX and must provide an ACH form, to meet guideline requirements. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Please see attached ACH Form that was uploaded to your system. Please clear this finding. - Seller-04/06/2026<br>| Resolved-Received ACH form. - Due Diligence Vendor-04/07/2026<br>| Months Reserves exceed minimum required - 84 months of reserves exceeds the minimum required 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8476986 |
| 202 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| 194 | XX |  | XX C A | Closed | FCRE1440 | 2026-04-06 13:18 | 2026-04-08 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding, - Seller-04/07/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide a satisfactory 12 month rental history for the borrower's primary residence. Additional conditions may apply. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding, - Seller-04/07/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-04/08/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.07 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Purchase | NA | N/A | N/A | 8505367 |
| 196 | XX |  | XX C B A | Closed | FCRE1506 | 2026-04-07 14:13 | 2026-04-10 12:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-12 months rental history provided. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 months rent payment history from 4-01-25 to 3-01-26.that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/08/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 12 Month rental history with 0x30. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached 12 months rent payment history from 4-01-25 to 3-01-26.that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/08/2026 | Resolved-12 months rental history provided. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 790<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.42 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8531376 |
| 196 | XX |  | XX C B A | Closed | FCRE1440 | 2026-04-07 10:37 | 2026-04-10 12:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 monthly checks with bank posting receipts. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Document Uploaded. Please see attached 12 months rent payment history from 4-01-25 to 3-01-26.that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/08/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR 12 months history in the amount of $2800. Additional conditions may apply. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached 12 months rent payment history from 4-01-25 to 3-01-26.that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/08/2026<br>| Resolved-Received 12 monthly checks with bank posting receipts. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 790<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.42 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8524244 |
| 196 | XX |  | XX C B A | Closed | FCOM1301 | 2026-04-04 10:46 | 2026-04-07 07:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/04/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 790<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.42 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8488047 |
| 177 | XX |  | XX C B A | Closed | FCRE0075 | 2026-04-03 15:45 | 2026-04-09 14:22 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received updated 1003 - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Provide proof of what account/ debt the Borrower is Cosigner or Guarantor that is not disclosed on the 1003 as indicated by the final 1003 Declaration. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026<br>| Resolved-Received updated 1003 - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 702 Required is 660 Borrower has 702<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 57.14 Required is 80 Borrower has 57.14 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Purchase | NA | N/A | N/A | 8482558 |
| 177 | XX |  | XX C B A | Closed | FCRE1440 | 2026-04-07 15:24 | 2026-04-07 15:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements . Borrower has 1x30 on the mortgage within the past 12 months. Subject loan has no escrows. Escrow Waivers are allowed with a pay history 0x30x12. Originator Exceptions granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/07/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements . Borrower has 1x30 on the mortgage within the past 12 months. Subject loan has no escrows. Escrow Waivers are allowed with a pay history 0x30x12. Originator Exceptions granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 702 Required is 660 Borrower has 702<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 57.14 Required is 80 Borrower has 57.14 | -LTV +5% less than guideline MAX<br> - DTI +5% below max allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Purchase | NA | Originator Post-Close | Yes | 8533160 |
| 193 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | PA | Investment | Purchase | NA |  |  |  |
| 199 | XX |  | XX C A | Closed | FCRE1204 | 2026-04-07 15:10 | 2026-04-09 14:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Drive/Fraud report 4/8/2026 submission showing no uncleared alerts. - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026 <br>Open-Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026<br>| Resolved-Received Drive/Fraud report 4/8/2026 submission showing no uncleared alerts. - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727<br>LTV is less than guideline maximum - . Required is 85 Borrower has 80 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 8532882 |
| 199 | XX |  | XX C A | Closed | FCRE1151 | 2026-04-07 13:50 | 2026-04-09 14:48 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Sched B Part i page reflecting conveyances within the last 24 months. - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. We respectfully disagree. The Title Report delivered with the loan file, Schedule B Part 1, #9, provides the 24 mo. history. No additional information is required. Please see attached screenshot of the relevant page. - Seller-04/08/2026 <br>Open-Unsatisfactory Chain of Title provided. Satisfactory Chain of Title not Provided - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. We respectfully disagree. The Title Report delivered with the loan file, Schedule B Part 1, #9, provides the 24 mo. history. No additional information is required. Please see attached screenshot of the relevant page. - Seller-04/08/2026<br>| Resolved-Received Sched B Part i page reflecting conveyances within the last 24 months. - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727<br>LTV is less than guideline maximum - . Required is 85 Borrower has 80 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 8530710 |
| 241 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | MO | Investment | Purchase | NA |  |  |  |
| 191 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | AZ | Investment | Purchase | NA |  |  |  |
| 232 | XX |  | XX D B A | Closed | FCRE0179 | 2026-04-08 12:36 | 2026-04-13 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008/UW addendum commentary reflecting Warrantable Condo/Condo Limited Review - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached PC 1008 - warrantable condo. Please clear this finding. - Seller-04/09/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide UW Attestation indicating if the subject is warrantable or non-warrantable. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - warrantable condo. Please clear this finding. - Seller-04/09/2026<br>| Resolved-Received 1008/UW addendum commentary reflecting Warrantable Condo/Condo Limited Review - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8552696 |
| 232 | XX |  | XX D B A | Closed | FCRE1510 | 2026-04-06 12:27 | 2026-04-13 11:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received copy of Mortgage including condo rider and legal description. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT, Legal Description and Condo Rider. Please clear this finding. - Seller-04/09/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT, Legal Description and Condo Rider. Please clear this finding. - Seller-04/09/2026<br>| Resolved-Received copy of Mortgage including condo rider and legal description. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8503790 |

| 232 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-06 12:52 | 2026-04-06 14:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | Originator Post-Close | No | 8504719 |
| 187 | XX |  | XX C B A | Closed | finding-3352 | 2026-04-07 09:41 | 2026-05-19 16:49 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-HPML compliant; File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-04/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/07/2026 |  | Waived-HPML compliant; File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - '<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.38 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8522956 |
| 187 | XX |  | XX C B A | Closed | FCRE1506 | 2026-04-08 14:30 | 2026-04-10 13:39 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOR reflecting no lates, ATR non QM lender documented all ATR values. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/08/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to determine ATR due to missing Primary Residence, Rental history - Due Diligence Vendor-04/08/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/08/2026<br>| Resolved-Received VOR reflecting no lates, ATR non QM lender documented all ATR values. - Due Diligence Vendor-04/10/2026<br>| Months Reserves exceed minimum required - '<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.38 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8554991 |
| 187 | XX |  | XX C B A | Closed | FCRE1440 | 2026-04-07 17:09 | 2026-04-10 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR dated 03/13/2026 reflecting no late payments - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR - Provide most recent 12 month payment history on primary residence. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026<br>| Resolved-Received VOR dated 03/13/2026 reflecting no late payments - Due Diligence Vendor-04/10/2026<br>| Months Reserves exceed minimum required - '<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.38 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8534792 |
| 187 | XX |  | XX C B A | Closed | FCRE8201 | 2026-04-08 14:57 | 2026-04-08 15:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan amount over 1.5 million, not eligible for Appraisal Transfer\*\*\*\*Originator exception granted and in file, waiver applied with comp factors… - Due Diligence Vendor-04/08/2026 <br>Open-Loan amount over 1.5 million, not eligible for Appraisal Transfer - Due Diligence Vendor-04/08/2026 |  | Waived-Loan amount over 1.5 million, not eligible for Appraisal Transfer\*\*\*\*Originator exception granted and in file, waiver applied with comp factors… - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - '<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.38 | No Housing Lates<br> Fico 732 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8555577 |
| 210 | XX |  | XX C A | Closed | FCRE0179 | 2026-04-07 16:00 | 2026-04-10 15:24 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. Please clear this finding. - Seller-04/09/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide UW attestation that condo is warrantable. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. Please clear this finding. - Seller-04/09/2026<br>| Resolved-Received UW attestation. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 753<br> Required is 700 Borrower has 753<br>LTV is less than guideline maximum - Maximum LTV is 75%; Borrower LTV is 69.79%<br> Required is 75 Borrower has 69.79 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | CT | Investment | Refinance | Cash Out - Other | N/A | N/A | 8533857 |
| 245 | XX |  | XX D A | Closed | FCRE1201 | 2026-04-07 14:13 | 2026-04-13 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Received Drive report dated 03/26, condition remains. Please provide revised report reflecting Loan Participants that include appraiser and settlement agent as required by guidelines. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached Final DV Report with OFAC list. Please clear this finding. - Seller-04/08/2026 <br>Open-Missing Third Party Fraud Report Provide third party fraud report with OFAC list. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached Final DV Report with OFAC list. Please clear this finding. - Seller-04/08/2026<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-04/13/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .80%; Borrower calculated DSCR is 1.143%. Required is 0.8 Borrower has 1.143<br>LTV is less than guideline maximum - Maximum LTV is 75%; Borrower LTV is 68.25%<br> Required is 75 Borrower has 68.25 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NM | Investment | Refinance | Cash Out - Other | N/A | N/A | 8531349 |
| 245 | XX |  | XX D A | Closed | FCRE1510 | 2026-04-07 17:20 | 2026-04-10 13:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received copy of Mortgage/DOT with Exhibit A legal description. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding. - Seller-04/08/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding. - Seller-04/08/2026<br>| Resolved-Received copy of Mortgage/DOT with Exhibit A legal description. - Due Diligence Vendor-04/10/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .80%; Borrower calculated DSCR is 1.143%. Required is 0.8 Borrower has 1.143<br>LTV is less than guideline maximum - Maximum LTV is 75%; Borrower LTV is 68.25%<br> Required is 75 Borrower has 68.25 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NM | Investment | Refinance | Cash Out - Other | N/A | N/A | 8534981 |
| 192 | XX |  | XX D B A | Closed | FCRE1254 | 2026-04-08 18:06 | 2026-04-15 16:08 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received evidence of correct vesting. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Please see attached copy of Warranty deed reflecting correct vesting title is held - Seller-04/14/2026 <br>Open-Property Title Issue Provide title in the name of the borrower and Trust - Due Diligence Vendor-04/08/2026 | Ready for Review-Please see attached copy of Warranty deed reflecting correct vesting title is held - Seller-04/14/2026<br>| Resolved-Received evidence of correct vesting. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8558856 |
| 192 | XX |  | XX D B A | Closed | FCRE1479 | 2026-04-08 15:06 | 2026-04-10 11:23 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received CPA letter indicating firm prepares business returns, stating B1 is 100% owner, satisfying GL requirement of LOX executed by majority owner addressing use of bz funds. CPA license verification is present in file. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached CPA letter states 100 percent owner and exception is attached for use of business funds - Seller-04/09/2026 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Program does not allow business funds for assets. Exception approved. A letter from the borrower was received indicating business funds will not negatively impact the business; however, the guideline indicate that a letter of explanation executed by the majority of the business' ownership but the file is missing verification of the borrower's S/E and the percentage of ownership. Provide proof of percentage of ownership to verify letter from borrower is acceptable. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached CPA letter states 100 percent owner and exception is attached for use of business funds - Seller-04/09/2026<br>| Resolved-Received CPA letter indicating firm prepares business returns, stating B1 is 100% owner, satisfying GL requirement of LOX executed by majority owner addressing use of bz funds. CPA license verification is present in file. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 | FICO<br> 24 month payment history | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8555747 |
| 192 | XX |  | XX D B A | Closed | FCRE7805 | 2026-04-08 14:46 | 2026-04-10 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received lender bank statement worksheet for both accounts used in QI. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached both Income Worksheets used for XX and XX - Seller-04/09/2026 <br> Open-Missing bank statement worksheet for account used to calculate borrower's income. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached both Income Worksheets used for XX - Seller-04/09/2026 | Resolved-Received lender bank statement worksheet for both accounts used in QI. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8555341 |
| 192 | XX |  | XX D B A | Closed | FCRE1316 | 2026-04-08 14:40 | 2026-04-10 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CPA letter dated 03/20/2026 verifying SE, the firm prepares the returns. CPA Licensing verification was provided in file. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached 3.20.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached 3.6.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of self employment for a minimum of 24-months - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached 3.20.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached 3.6.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 | Resolved-Received CPA letter dated 03/20/2026 verifying SE, the firm prepares the returns. CPA Licensing verification was provided in file. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8555230 |
| 192 | XX |  | XX D B A | Closed | FCRE1325 | 2026-04-08 14:40 | 2026-04-10 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter dated 03/20/2026 verifying SE, CPA license verification provided in file, indicating their firm prepares the tax returns, and verifies ownership 100% and 15% expense factor. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached 3.20.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached 3.6.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 <br> Open-Borrower 1 CPA Letter Missing Missing verification of S/E and percentage of ownership and expense ratio factor of 15%. Additional conditions may apply. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached 3.20.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached 3.6.2026 CPA letter verifies the Self employment since 2019 and is 100% owner of XX - Seller-04/09/2026 | Resolved-Received CPA letter dated 03/20/2026 verifying SE, CPA license verification provided in file, indicating their firm prepares the tax returns, and verifies ownership 100% and 15% expense factor. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8555231 |
| 192 | XX |  | XX D B A | Closed | FCRE1440 | 2026-04-08 14:56 | 2026-04-10 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR for primary reflecting never late from 03/15, prop owner verified to property report present in file. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached shows never lates - Seller-04/09/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide a satisfactory 12 month rental history for the borrower's primary residence. Additional conditions may apply. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached shows never lates - Seller-04/09/2026<br>| Resolved-Received VOR for primary reflecting never late from 03/15, prop owner verified to property report present in file. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8555573 |
| 192 | XX |  | XX D B A | Closed | FCRE9814 | 2026-04-08 14:42 | 2026-04-10 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received copy of irrevocable trust dated 04/18/2024. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached copy - Seller-04/09/2026 <br>Open-Missing certificate of trust - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached copy - Seller-04/09/2026<br>| Resolved-Received copy of irrevocable trust dated 04/18/2024. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8555270 |
| 192 | XX |  | XX D B A | Closed | FCOM1231 | 2026-04-07 12:17 | 2026-04-10 09:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026 <br>Open-The Initial 1003 is Missing Missing Initial 1003 - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026<br>| Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8528306 |
| 192 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-06 17:08 | 2026-04-06 17:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | Originator Post-Close | No | 8510725 |
| 178 | XX |  | XX C B A | Closed | finding-3352 | 2026-04-06 17:41 | 2026-05-19 16:50 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-HPML compliant; File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-04/09/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/06/2026 |  | Waived-HPML compliant; File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - . Required is 50 Borrower has 37.18<br>Months Reserves exceed minimum required - |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8511321 |
| 178 | XX |  | XX C B A | Closed | FCOM0013 | 2026-04-06 16:45 | 2026-04-10 09:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. <br> - Seller-04/09/2026 <br>Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. Please see attached. <br> - Seller-04/09/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - . Required is 50 Borrower has 37.18<br>Months Reserves exceed minimum required - |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8510378 |
| 197 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| 224 | XX |  | XX C A | Closed | FCRE1440 | 2026-04-07 23:42 | 2026-04-10 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM from prior lender for subject property, reflecting 0x30. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history for subject property. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026<br>| Resolved-Received VOM from prior lender for subject property, reflecting 0x30. - Due Diligence Vendor-04/10/2026<br>| Months Reserves exceed minimum required - 0 req - have 9.98 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | OR | Investment | Refinance | Cash Out - Other | N/A | N/A | 8538186 |
| 224 | XX |  | XX C A | Closed | FCRE1498 | 2026-04-08 19:55 | 2026-04-10 16:26 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Received executed lease and Oregon SOS for entity, supporting borrower has owned and managed non-owner-occupied residential real estate for at least one (1) year in the last three (3) year, has owned 12+ months since 2025 satisfying requirement - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation to support Borrower is owner of XXand evidence borrower has owned XX for 12 months, supporting the Borrower's rental experience. - Seller-04/09/2026 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Provide documentation to support having a history of owning and managing non-owner-occupied residential real estate for at least one (1) year in the last three (3) years. Ownership history can be documented for other REO with one of the following: ▪ Mortgage history on credit report ▪ Property profile report ▪ Other 3rd party documentation (e.g., Fraud Report, Settlement Statement, Closing Disclosure)<br> The loan application reflects the borrower owns the subject and another REO. There is no housing history for either REO. The fraud report shows the other REO with a note date of 5/XX/25 however does not reflect an acquisition date. Additional findings may apply. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached documentation to support Borrower is owner of XX and evidence borrower has owned XX for 12 months, supporting the Borrower's rental experience. - Seller-04/09/2026 | Resolved-Received executed lease and Oregon SOS for entity, supporting borrower has owned and managed non-owner-occupied residential real estate for at least one (1) year in the last three (3) year, has owned 12+ months since 2025 satisfying requirement - Due Diligence Vendor-04/10/2026<br>| Months Reserves exceed minimum required - 0 req - have 9.98 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | OR | Investment | Refinance | Cash Out - Other | N/A | N/A | 8563932 |
| 195 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | GA | Investment | Refinance | Cash Out - Other |  |  |  |
| 211 | XX |  | XX C B A | Closed | finding-3352 | 2026-04-08 10:41 | 2026-05-19 16:50 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-HPML compliant; File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-04/10/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/08/2026 |  | Waived-HPML compliant; File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 19.03%. Required is 50 Borrower has 19.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $34,054.18 residual income, $1,500 required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8548824 |
| 211 | XX |  | XX C B A | Closed | FCRE1198 | 2026-04-10 00:24 | 2026-04-10 00:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-04/10/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Exception in file to allow Business Assets towards reserves. - Due Diligence Vendor-04/10/2026 |  | Waived-Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 19.03%. Required is 50 Borrower has 19.03<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $34,054.18 residual income, $1,500 required. | Reserves 3+ months above minimum required (n/a)<br> DTI 5% below max allowed (n/a)<br> Years on Job 13 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8587189 |
| 213 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | MD | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 235 | XX |  | XX C A | Closed | FCRE1440 | 2026-04-08 09:08 | 2026-04-13 09:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM for subject reflecting 0x30. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. The borrower has owned the the subject property since 10/08/2025. See attached property profile. - Seller-04/10/2026 <br>Counter-Received VOM originated 8/21/2025, will need a complete 12 months payment history. Per 1003, borrower has owned for 52 years - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide VOM or 12 months cancelled checks for the subject property. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. The borrower has owned the the subject property since 10/08/2025. See attached property profile. - Seller-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026<br>| Resolved-Received VOM for subject reflecting 0x30. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 743 Required is 700 Borrower has 743<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.58 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | IN | Investment | Refinance | Cash Out - Other | N/A | N/A | 8546667 |
| 219 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | OK | Investment | Refinance | Cash Out - Other |  |  |  |
| 206 | XX |  | XX C A | Closed | finding-3634 | 2026-04-07 12:48 | 2026-04-14 13:14 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received lock confirmation showing borrower paid broker fee. Finding Resolved. - Due Diligence Vendor-04/14/2026 <br>Counter-Document Uploaded. - Due Diligence Vendor-04/14/2026 <br>Counter-COC only reference's lock, does not reference the addition of Broker fees. Our report lists the last amount charged for broker fees. Please provide a COC OR evidence of refund to borrower or principal reduction in the amount of $18,315.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: 04/01/2029. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. see attached - Seller-04/10/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $18,315.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $18,315.00 (Mortgage Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $18,315.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: 04/01/2029. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. see attached - Seller-04/10/2026<br>| Resolved-Received lock confirmation showing borrower paid broker fee. Finding Resolved. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - . Required is 720 Borrower has 776<br>LTV is less than guideline maximum - . Required is 80 Borrower has 74<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 32.77 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8528900 |
| 198 | XX |  | XX C B A | Closed | FCRE1248 | 2026-04-08 22:03 | 2026-04-10 10:26 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Received Gift Letter- reflecting seller and buyer are siblings. Guideline requires proof of non default. met by payoff demand not exceeding one months interest. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. The relationship between buyer and seller is defined of the gift letter delivered with the loan file for the gift of equity. Please see attached. - Seller-04/09/2026 <br>Open-Non-Arm's Length Transactions Not Allowed for Program Missing letter stating the borrower's relationship to the seller, required for non-arms. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. The relationship between buyer and seller is defined of the gift letter delivered with the loan file for the gift of equity. Please see attached. - Seller-04/09/2026<br>| Resolved-Received Gift Letter- reflecting seller and buyer are siblings. Guideline requires proof of non default. met by payoff demand not exceeding one months interest. - Due Diligence Vendor-04/10/2026<br>| Credit history exceeds minimum required - 24+ month credit history<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Credit report reflects FICO of 742 which exceeds the minimum of 680 Required is 50 Borrower has 35.14 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Purchase | NA | N/A | N/A | 8564239 |
| 198 | XX |  | XX C B A | Closed | FCRE1491 | 2026-04-09 11:29 | 2026-04-09 11:34 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow 7.98% of own funds short of the 10% required. Non-material waiver applied with comp factors. Deemed non-material due to only 2% below minimum. - Due Diligence Vendor-04/09/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Borrower must demonstrate they have 10% of their own funds for the down payment but does not have to be contributed to the transaction (Investment transaction only). Borr only has 7.98% of their own funds. - Due Diligence Vendor-04/09/2026 |  | Waived-Originator exception granted to allow 7.98% of own funds short of the 10% required. Non-material waiver applied with comp factors. Deemed non-material due to only 2% below minimum. - Due Diligence Vendor-04/09/2026<br>| Credit history exceeds minimum required - 24+ month credit history<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Credit report reflects FICO of 742 which exceeds the minimum of 680 Required is 50 Borrower has 35.14 | FICO 20 pts above min<br> 24+ month credit history |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Purchase | NA | Originator Post-Close | Yes | 8577432 |
| 169 | XX |  | XX C A | Closed | FPRO1136 | 2026-04-07 14:47 | 2026-04-13 09:19 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-AcceptingpProfessionally prepared inspection report commentary as 1004D. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see Foundation & Mold Inspection, shows in Good Condition. No further documentation is required. please clear finding - Seller-04/10/2026 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Appraiser made report subject to but is not clear as to why. Basement has cracks in foundation and dampness. No additional reports are in file to show this has been further inspected or corrected. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see Foundation & Mold Inspection, shows in Good Condition. No further documentation is required. please clear finding - Seller-04/10/2026<br>| Resolved-AcceptingpProfessionally prepared inspection report commentary as 1004D. - Due Diligence Vendor-04/13/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.562 Required is 0.75 Borrower has 1.562<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 690 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | OH | Investment | Purchase | NA | N/A | N/A | 8532108 |
| 169 | XX |  | XX C A | Closed | FPRO1137 | 2026-04-07 14:47 | 2026-04-13 09:10 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received the appraiser's license, which has been active since 3/2009. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Disagree, Appraiser has been licensed since 2009. Please see attached license look up details, which supports appraisal effective date 2.24.2026 - Seller-04/10/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date No prior licenses available when searched. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Disagree, Appraiser has been licensed since 2009. Please see attached license look up details, which supports appraisal effective date 2.24.2026 - Seller-04/10/2026<br>| Resolved-Received the appraiser's license, which has been active since 3/2009. - Due Diligence Vendor-04/13/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.562 Required is 0.75 Borrower has 1.562<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 690 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | OH | Investment | Purchase | NA | N/A | N/A | 8532107 |
| 214 | XX |  | XX C A | Closed | FCRE0044 | 2026-04-09 13:37 | 2026-04-15 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. New debt has been added to the DTI. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached LOE and New debt added to qualifying ratios - Seller-04/14/2026 <br>Open-LOX for credit inquiries is missing. Provide letter of explanation for recent inquiries. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached LOE and New debt added to qualifying ratios - Seller-04/14/2026<br>| Resolved-Received LOE. New debt has been added to the DTI. - Due Diligence Vendor-04/15/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 49.81<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8580211 |
| 214 | XX |  | XX C A | Closed | FCRE1198 | 2026-04-09 13:53 | 2026-04-15 16:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, business assets are allowed to be used for reserves. Audited Reserves of 54.22 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Lender notes the xx - Matrix effective11.14.2025 does not state Business assets cannot be used for reserves, the borrower is sole owner of business and provided the letter stating no negative impact for using business assets for reserves. With that said, the loan meet NON QM guideline 9.1 Asset Documentation. Please see attached documentation - Seller-04/10/2026 <br> Open-Audited Reserves of 1 month(s) are less than Guideline Required Reserves of 6 month(s) As business assets cannot be used for reserves, provide additional assets to cover a full 6 months of reserves. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Lender notes the xx - Matrix effective11.14.2025 does not state Business assets cannot be used for reserves, the borrower is sole owner of business and provided the letter stating no negative impact for using business assets for reserves. With that said, the loan meet NON QM guideline 9.1 Asset Documentation. Please see attached documentation - Seller-04/10/2026 | Resolved-Upon further review, business assets are allowed to be used for reserves. Audited Reserves of 54.22 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/13/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 49.81<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8580580 |
| 214 | XX |  | XX C A | Closed | FCRE4805 | 2026-04-09 23:10 | 2026-04-13 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received Trust Cert. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached Trust Cert - Seller-04/10/2026 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing copy of Trust and/or Trust Certification - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached Trust Cert - Seller-04/10/2026<br>| Resolved-Received Trust Cert. - Due Diligence Vendor-04/13/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 49.81<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8586860 |
| 188 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA |  |  |  |
| 181 | XX |  | XX C B A | Closed | finding-3652 | 2026-04-08 12:21 | 2026-04-13 08:30 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received notification of borrower receipt at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. See attached - Seller-04/10/2026 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($7,141.36) does not exceed or equal the comparable sum of specific and non-specific lender credits ($8,281.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- COC in file for decrease. CD 04/02/2026 is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is 04/03/2029. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/10/2026<br>| Resolved-Received notification of borrower receipt at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - DTI of 38.92% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 38.92<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 768 which exceeds the minimum of 680 Required is 680 Borrower has 768<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8552379 |
| 181 | XX |  | XX C B A | Closed | finding-3540 | 2026-04-08 12:21 | 2026-04-13 08:29 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received notification saw CD at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. See attached - Seller-04/10/2026 <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD 4/2/2026 is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is 4/3/2029.<br> - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/10/2026<br>| Resolved-Received notification saw CD at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - DTI of 38.92% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 38.92<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 768 which exceeds the minimum of 680 Required is 680 Borrower has 768<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8552377 |
| 181 | XX |  | XX C B A | Closed | FCOM1301 | 2026-04-08 11:33 | 2026-04-08 13:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/08/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/08/2026<br>| Qualifying DTI below maximum allowed - DTI of 38.92% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 38.92<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 768 which exceeds the minimum of 680 Required is 680 Borrower has 768<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8551454 |
| 234 | XX |  | XX C A | Closed | FCOM0013 | 2026-04-08 11:56 | 2026-04-13 08:44 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026 <br>Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.73 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8551891 |
| 212 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| 215 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 168 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 179 | XX |  | XX C B A | Closed | FCOM0013 | 2026-04-09 12:43 | 2026-04-14 07:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/14/2026<br>| On time mortgage history exceeds guideline requirement - 5+ year on time<br>Verified employment history exceeds guidelines - Self employed same business for 5 years<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 19.31%. Required is 50 Borrower has 19.31<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 65.64%. Required is 75 Borrower has 67.8<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 704. Required is 660 Borrower has 704 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8579074 |
| 179 | XX |  | XX C B A | Closed | FCRE1199 | 2026-04-09 20:43 | 2026-04-10 16:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow loan amount over $3M. Non-material waiver applied with comp factors. Deemed non-material due to only $XX over max allowed. - Due Diligence Vendor-04/10/2026 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $3000000 - Due Diligence Vendor-04/10/2026 |  | Waived-Originator exception granted to allow loan amount over $3M. Non-material waiver applied with comp factors. Deemed non-material due to only $85K over max allowed. - Due Diligence Vendor-04/10/2026<br>| On time mortgage history exceeds guideline requirement - 5+ year on time<br>Verified employment history exceeds guidelines - Self employed same business for 5 years<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 19.31%. Required is 50 Borrower has 19.31<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 65.64%. Required is 75 Borrower has 67.8<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 704. Required is 660 Borrower has 704 | DTI under 20% (under 5% of max)<br> 24 + months on time mortgage history<br> Years on Job 6 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 8586365 |
| 179 | XX |  | XX C B A | Closed | FCOM1353 | 2026-04-09 12:43 | 2026-04-09 13:46 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026<br>| On time mortgage history exceeds guideline requirement - 5+ year on time<br>Verified employment history exceeds guidelines - Self employed same business for 5 years<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 19.31%. Required is 50 Borrower has 19.31<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 65.64%. Required is 75 Borrower has 67.8<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 704. Required is 660 Borrower has 704 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 8579073 |
| 179 | XX |  | XX C B A | Closed | FCOM1301 | 2026-04-09 12:43 | 2026-04-09 13:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026<br>| On time mortgage history exceeds guideline requirement - 5+ year on time<br>Verified employment history exceeds guidelines - Self employed same business for 5 years<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 19.31%. Required is 50 Borrower has 19.31<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 65.64%. Required is 75 Borrower has 67.8<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 704. Required is 660 Borrower has 704 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 8579072 |
| 225 | XX |  | XX D B A | Closed | FCRE1316 | 2026-04-09 15:23 | 2026-04-14 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Paystub prior to Note Date - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. In lieu of VVOE, the loan file included XX paystubs, which is allowed per guidelines. The loan disbursed on 04/xx/2026. The loan file included an XX paystubs dated 03/15/2026. - Seller-04/13/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE with XX for B1 confirming 2+ years. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. In lieu of VVOE, the loan file included XX paystubs, which is allowed per guidelines. The loan disbursed on 04/07/2026. The loan file included an XX paystubs dated 03/15/2026. - Seller-04/13/2026<br>| Resolved-Received Paystub prior to Note Date - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8582166 |
| 225 | XX |  | XX D B A | Closed | FCRE1347 | 2026-04-09 15:23 | 2026-04-14 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received Paystub prior to Note Date - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. In lieu of VVOE, the loan file included XX paystubs, which is allowed per guidelines. The loan disbursed on 04/xx/2026. The loan file included an XX paystubs dated 03/15/2026. - Seller-04/13/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing the Verbal VOE for B2 for XX confirming 2+ years. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. In lieu of VVOE, the loan file included XX paystubs, which is allowed per guidelines. The loan disbursed on 04/07/2026. The loan file included an XX paystubs dated 03/15/2026. - Seller-04/13/2026<br>| Resolved-Received Paystub prior to Note Date - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8582169 |
| 225 | XX |  | XX D B A | Closed | FCRE1334 | 2026-04-09 15:23 | 2026-04-14 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C for B1 - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing the signed 4506c for B1. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received 4506-C for B1 - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8582167 |
| 225 | XX |  | XX D B A | Closed | FCRE1364 | 2026-04-09 15:23 | 2026-04-14 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C for B2 - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing Missing the signed 4506c for B2. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received 4506-C for B2 - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8582170 |
| 225 | XX |  | XX D B A | Closed | FCRE1295 | 2026-04-09 15:23 | 2026-04-14 10:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Received Leases and 2 months rents for REO 3a - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. The property consists on 5 units. Leases with all tenants' names and corresponding deposits of rents into the borrowers' account from each are attached. - Seller-04/13/2026 <br>Open-Income 4 Months Income Verified is Missing Missing proof of receipt of the rental income for 2+ months for property 3a. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. The property consists on 5 units. Leases with all tenants' names and corresponding deposits of rents into the borrowers' account from each are attached. - Seller-04/13/2026<br>| Resolved-Received Leases and 2 months rents for REO 3a - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8582171 |
| 225 | XX |  | XX D B A | Closed | FCRE7807 | 2026-04-09 15:23 | 2026-04-14 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement worksheets - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Missing the Income Calculation Worksheet for S/E for Borrower 1 and for XX for Borrower 2. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received Bank Statement worksheets - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8582172 |
| 225 | XX |  | XX D B A | Closed | FCRE1440 | 2026-04-09 15:42 | 2026-04-14 10:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-First Payment was due 3/1/2026 - made from XX - on 3/2/2026 - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. The property was purchased on 01/08/2026. See attached mortgage statement. - Seller-04/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of timely 12 months housing payment history with XX against property 3a. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. The property was purchased on 01/08/2026. See attached mortgage statement. - Seller-04/13/2026<br>| Resolved-First Payment was due 3/1/2026 - made from XX - on 3/2/2026 - Due Diligence Vendor-04/14/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8582827 |
| 225 | XX |  | XX D B A | Closed | FCRE1481 | 2026-04-09 16:12 | 2026-04-14 09:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 in Co-Borrower's name - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Documentation to support the account is in the co-borrower's name was delivered with the loan file, please see attached. - Seller-04/13/2026 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Provide proof that the assets are in one of the borrower's names. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Documentation to support the account is in the co-borrower's name was delivered with the loan file, please see attached. - Seller-04/13/2026<br>| Resolved-Asset 3 in Co-Borrower's name - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8583473 |
| 225 | XX |  | XX D B A | Closed | FCRE1474 | 2026-04-09 16:12 | 2026-04-14 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 8 Missing | Resolved-Received verification of HELOC funds wired to Borrower - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br> Open-Asset 8 Missing Missing proof of the Net Proceeds of $XX (per the final 1003).Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received verification of HELOC funds wired to Borrower - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8583477 |
| 225 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-08 12:06 | 2026-04-08 15:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings - Due Diligence Vendor-04/08/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings - Due Diligence Vendor-04/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8552042 |
| 209 | XX |  | XX C A | Closed | FCRE1205 | 2026-04-10 11:55 | 2026-04-14 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Drive/Fraud report dated 04/10/2026 borrowers LLC company, Appraisal Company and the Appraiser included in Loan Participants, OFAC no match - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026 <br>Open-OFAC Check Not Completed and/or Cleared for the borrowers LLC company, Appraisal Company and the Appraiser. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026<br>| Resolved-Received Drive/Fraud report dated 04/10/2026 borrowers LLC company, Appraisal Company and the Appraiser included in Loan Participants, OFAC no match - Due Diligence Vendor-04/14/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.108 Required is 0 Borrower has 1.108<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 709 Required is 620 Borrower has 709 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8597364 |
| 190 | XX |  | XX C A | Closed | FCRE1440 | 2026-04-08 13:33 | 2026-04-13 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month payment history. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR for borrowers current primary. Must cover 12 months 1x90 not allowed - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026<br>| Resolved-Received 12 month payment history. - Due Diligence Vendor-04/13/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 46.56<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.283 Required is 0.75 Borrower has 1.283 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WI | Investment | Refinance | Cash Out - Other | N/A | N/A | 8553824 |
| 189 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Purchase | NA |  |  |  |
| 242 | XX |  | XX C A | Closed | FCRE1198 | 2026-04-10 14:15 | 2026-04-30 15:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 80.8 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s). Updated matrix provided allowing business funds for reserves. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached Velvet Matrix 11.14.2025 version used to qualify, does not restrict the use of business funds... please clear as soon as possible. - Seller-04/30/2026 <br> Counter-Required reserves of $12,056.82. waiver received only validates $8,314.23. Provide sufficient reserves or revised waiver. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Lender notes, documentation has already been provided, All members have signed authorization. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 <br> Counter-Received CD reflecting assets/reserves sourced from cashout transactions on 2 REO properties XX and XX. File included Exception for use of business funds for reserves for refi on XX however per documentation in file XX is owner ofXX and gave unanimous approval to encumber. File is missing exception to use business funds from cashout refinance of XX for the assets/reserves still required on subject transaction. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Lender notes the borrower refinanced 2 properties and Cash out proceeds from both were used to support reserves requirement. Please see attached shows proceeds from REO XX and XX - Seller-04/13/2026 <br> Open-Audited Reserves of 4.14 month(s) are less than Guideline Required Reserves of 6 month(s) Short reserves - lender provided business bank statements - per XX DSCR overlays dated 11/14/26 business assets are ineligible for reserves. Approved exception request in file referencing reserve issue, however exception request was to use proceeds from loan # XX that also closed 4/01/26 to cover the funds brought to closing on the subject loan which did not require an exception<br> and those funds were applied and also allowed for the use towards reserves ($8314.23) total and the loan is still short reserves by $3,742.59. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached Velvet Matrix 11.14.2025 version used to qualify, does not restrict the use of business funds... please clear as soon as possible. - Seller-04/30/2026 <br> Ready for Review-Document Uploaded. Lender notes, documentation has already been provided, All members have signed authorization. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 <br> Ready for Review-Document Uploaded. Lender notes the borrower refinanced 2 properties and Cash out proceeds from both were used to support reserves requirement. Please see attached shows proceeds from REO XX and REO XX - Seller-04/13/2026 | Resolved-Audited Reserves of 80.8 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s). Updated matrix provided allowing business funds for reserves. - Due Diligence Vendor-04/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700 ; Borrower FICO is 781.<br> Required is 700 Borrower has 781 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | VA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8600622 |
| 242 | XX |  | XX C A | Closed | FCRE0140 | 2026-04-10 14:43 | 2026-04-22 15:11 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received LLC Borrowing Certificate- Multi Member and entity docs including operating agreement. Upon further review, LLC Borrowing certificate executed by the 4 members includes statement :" the undersigned are each authorized and empowered for and on behalf of and in the name of Borrower and without any requirement for consent or approval by any other party, as borrower's act and deed...: - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Seller-04/21/2026 <br> Counter-Review did not receive noted document upload-please re upload. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Please see attached all members signed - Seller-04/13/2026 <br> Open-DSCR rate and term refi LLC 2 of 4 members signed (all equal 25% ownership). Operating agreement Item 63 - Items that require Unanimous Consent - Endangering the ownership or possession of Company property including selling, transferring or loaning any Company property or using any Company property as collateral for a loan. Please provide Unanimous Consent for XX to be able to sign all loan docs for the company. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026 <br>Ready for Review-Please see attached all members signed - Seller-04/13/2026<br>| Resolved-Received LLC Borrowing Certificate- Multi Member and entity docs including operating agreement. Upon further review, LLC Borrowing certificate executed by the 4 members includes statement :" the undersigned are each authorized and empowered for and on behalf of and in the name of Borrower and without any requirement for consent or approval by any other party, as borrower's act and deed...: - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700 ; Borrower FICO is 781.<br> Required is 700 Borrower has 781 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | VA | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8601614 |
| 171 | XX |  | XX C A | Closed | FCRE0045 | 2026-04-10 07:42 | 2026-04-15 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received completed ACH form. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Foreign National but the ACH form is Missing from file. Please provide - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received completed ACH form. - Due Diligence Vendor-04/15/2026<br>| DSCR % greater than 1.20 - 1.607 DSCR is > 1.20<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 Required is 70 Borrower has 65 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | 8591577 |
| 236 | XX |  | XX D A | Closed | FCRE1440 | 2026-04-09 15:39 | 2026-04-30 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR and VOM. - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. Please see attached updated VOM - Seller-04/29/2026 <br>Counter-VOM provided, however the loan originated 03/13/2026. Please provide the full 12 month history. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/17/2026 <br>Counter-Received VOR for primary, however condition also requests 12 VOM for subject. Condition remains pending receipt of the 12 VOM for subject . - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached Primary VOR no lates - Seller-04/13/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide a 12 month satisfactory rental history for borrower's primary residence and a 12 month verification of mortgage for the subject property. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached updated VOM - Seller-04/29/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/17/2026 <br>Ready for Review-Document Uploaded. Please see attached Primary VOR no lates - Seller-04/13/2026<br>| Resolved-Received VOR and VOM. - Due Diligence Vendor-04/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - . Required is 700 Borrower has 732<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 19.77 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8582514 |
| 236 | XX |  | XX D A | Closed | FCRE1165 | 2026-04-09 15:09 | 2026-04-20 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood insurance policy number was provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-the XX Application / Binder number is provided and is acceptable, does suffice. Quotes are not acceptable which is not the case. Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br> Ready for Review-Document Uploaded. This was uploaded already, please read the documentation provided. - Seller-04/17/2026 <br> Counter-Received Flood application (file page 181-183) and Final CD with evidence premium was paid. Condition remains awaiting receipt of Flood insurance policy number. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached flood ins and CD paid at closing, no further documentation is required - Seller-04/13/2026 <br> Open-Flood Insurance Policy Partially Provided Provide policy number. - Due Diligence Vendor-04/09/2026 | Ready for Review-the XX Application / Binder number is provided and is acceptable, does suffice. Quotes are not acceptable which is not the case. Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br> Ready for Review-Document Uploaded. This was uploaded already, please read the documentation provided. - Seller-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached flood ins and CD paid at closing, no further documentation is required - Seller-04/13/2026 | Resolved-Flood insurance policy number was provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - . Required is 700 Borrower has 732<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 19.77 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8581930 |
| 230 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-09 10:34 | 2026-05-12 14:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8574891 |
| 230 | XX |  | XX D B A | Closed | FCRE1440 | 2026-04-09 17:57 | 2026-04-15 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing proof of the borrower's most recent 12 months rental history. Upon receipt additional information maybe required. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received VOR 0x30. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8585355 |
| 230 | XX |  | XX D B A | Closed | FCRE6019 | 2026-04-09 12:56 | 2026-04-15 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received permanent resident card f/b. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing proof of the borrower's Permanent Resident status. Upon receipt of documentation, additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received permanent resident card f/b. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8579353 |
| 238 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 233 | XX |  | XX D B A C | Closed | FCOM1301 | 2026-04-09 10:56 | 2026-05-12 14:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/09/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/09/2026<br>| LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.63% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | Originator Post-Close | No | 8575355 |
| 233 | XX |  | XX D B A C | Closed | FCRE1198 | 2026-04-10 09:50 | 2026-04-16 17:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional asset from a non subject REO. Audited Reserves of 10.36 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/16/2026 <br>Ready for Review-We respectfully disagree. The required reserves are $41,266.20 and the Final CD provided supports cash out proceeds iao $1115,190.68. - Seller-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets do not cover minimum reserves of 6 months required per guidelines. - Due Diligence Vendor-04/10/2026 | Ready for Review-We respectfully disagree. The required reserves are $41,266.20 and the Final CD provided supports cash out proceeds iao $1115,190.68. - Seller-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received additional asset from a non subject REO. Audited Reserves of 10.36 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/16/2026<br>| LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.63% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.63 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8593733 |
| 233 | XX |  | XX D B A C | Closed | FCRE9501 | 2026-04-10 08:57 | 2026-04-16 17:15 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Simultaneous cashout on departing to source assets. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-43927.99'. Assets are Insufficient. Verified assets are not sufficient to close. Borrower is using refinance proceeds from another property but CD in file is a draft and incomplete. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Simultaneous cashout on departing to source assets. - Due Diligence Vendor-04/15/2026<br>| LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.63% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.63 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8592680 |
| 233 | XX |  | XX D B A C | Closed | FCOM0013 | 2026-04-09 10:56 | 2026-04-15 10:27 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br>Open-Missing e-Consent. ----- Missing e-Consent/Tracking Disclosure<br> - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/15/2026<br>| LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.63% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.63 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8575356 |
| 233 | XX |  | XX D B A C | Closed | FCOM2368 | 2026-04-09 10:38 | 2026-04-15 10:25 | Resolved | 1 - Information C A | Compliance | Closing | Loan Origination Company NMLS Status is Not Active | Resolved-Received corrected 1003 for Loan Origination Company NMLS Status is Active. Finding Resolved. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached NMLS Look up and corrected 1003, as it appears two digits were accidentally transposed in entering the ID at origination. - Seller-04/13/2026 <br> Open-Loan Origination Company NMLS Status is Not Active Incorrect NMLS# as NMLS XXX is not for XXX - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached NMLS Look up and corrected 1003, as it appears two digits were accidentally transposed in entering the ID at origination. - Seller-04/13/2026<br>| Resolved-Received corrected 1003 for Loan Origination Company NMLS Status is Active. Finding Resolved. - Due Diligence Vendor-04/15/2026<br>| LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.63% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.63 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8574960 |
| 233 | XX |  | XX D B A C | Closed | FCRE1964 | 2026-04-10 10:25 | 2026-04-15 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received closing CD for simultaneous refi of departing XX - Due Diligence Vendor-04/15/2026 <br> Ready for Review-XX is the borrower's primary residence. Rental income was not used for qualification. - Seller-04/13/2026 <br> Open-Missing documentation for property located at XX. Using rental income from 1003 to qualify. - Due Diligence Vendor-04/10/2026 | Ready for Review-XX is the borrower's primary residence. Rental income was not used for qualification. - Seller-04/13/2026 | Resolved-Received closing CD for simultaneous refi of departing XX. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.63% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | 8594445 |
| 205 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Purchase | NA |  |  |  |
| 203 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | MO | Investment | Refinance | Cash Out - Other |  |  |  |
| 216 | XX |  | XX C A | Closed | FCRE1482 | 2026-04-10 10:28 | 2026-04-23 10:06 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Updated gift letter, receipt and wire were provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Lender notes the gift funds were changed from $45k to $75k at closing, please see attached updated $75k gift letter and receipt of same. Please expedite this to be cleared as soon as possible - Seller-04/22/2026 <br>Counter-Excluding the Gift funds, reserves will be short by 2 months. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Borrowers provided assets verified. Lender notes the Gift funds where not need to close the loan, no further docs are required due to the borrowers used their own funds to close. - Seller-04/13/2026 <br>Open-Asset 4 Does Not Meet Guideline Requirements Provide verification of transfer of Gift Funds $40K from Donor towards use for subject purchase. (Note: EMD of $40K came out of B1's business checking account). - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Lender notes the gift funds were changed from $45k to $75k at closing, please see attached updated $75k gift letter and receipt of same. Please expedite this to be cleared as soon as possible - Seller-04/22/2026 <br>Ready for Review-Borrowers provided assets verified. Lender notes the Gift funds where not need to close the loan, no further docs are required due to the borrowers used their own funds to close. - Seller-04/13/2026<br>| Resolved-Updated gift letter, receipt and wire were provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.92 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Purchase | NA | N/A | N/A | 8594530 |
| 216 | XX |  | XX C A | Closed | FCRE1254 | 2026-04-10 09:14 | 2026-04-15 13:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received recorded deed. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached copy of recorded Grant Deed - Seller-04/14/2026 <br>Open-Property Title Issue Provide Grant Deed in name of LLC. File contains a Grant Deed from Seller to B1 as individual. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached copy of recorded Grant Deed - Seller-04/14/2026<br>| Resolved-Received recorded deed. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.92 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Purchase | NA | N/A | N/A | 8592940 |
| 222 | XX |  | XX D A | Closed | FCRE6019 | 2026-04-09 15:51 | 2026-04-14 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received EAD Card - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached Employment Authorization front and back that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/13/2026 <br>Open-Borrower Citizenship Documentation Is Missing Provide either an EAD or VISA permitting employment. Must validate the borrower has employment authorization. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached Employment Authorization front and back that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/13/2026<br>| Resolved-Received EAD Card - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 735. Required is 700 Borrower has 735<br>Months Reserves exceed minimum required - 108 months reserves; 3 months reserves required. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WI | Investment | Refinance | Cash Out - Other | N/A | N/A | 8582905 |
| 240 | XX |  | XX C A | Closed | FCRE8013 | 2026-04-10 16:43 | 2026-04-15 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review 3/17 offer XXX with 10% initial deposit. 3/19 Counter offer 1 .D Other Terms: Purchase price to be $XX Buyer agrees to all other terms. (new price $XXM 10% initial deposit = $XX) EMD sourced, reflected on wire & receipt and reflected on CD - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Disagree, not a valid finding. Lender notes the Earnest Money Deposit (EMD) obligation is satisfied if the buyer wires more than the contractually required EMD amount, absent contrary contract language or escrow rejection. Furthermore excess amount is typically treated as voluntary overpayment subject to return or used towards any additional required funds to close. - Seller-04/13/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract Addendum reflecting EMD in the amount of $XX<br> - Due Diligence Vendor-04/10/2026 | Ready for Review-Disagree, not a valid finding. Lender notes the Earnest Money Deposit (EMD) obligation is satisfied if the buyer wires more than the contractually required EMD amount, absent contrary contract language or escrow rejection. Furthermore excess amount is typically treated as voluntary overpayment subject to return or used towards any additional required funds to close. - Seller-04/13/2026<br>| Resolved-Upon further review 3/17 offer XXX with 10% initial deposit. 3/19 Counter offer 1 .D Other Terms: Purchase price to be $XX Buyer agrees to all other terms. (new price $XX 10% initial deposit = $XX) EMD sourced, reflected on wire & receipt and reflected on CD - Due Diligence Vendor-04/15/2026 | Verified employment history exceeds guidelines - The Borrower has been Self Employed for 6 years.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 747. Required is 720 Borrower has 747 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Purchase | NA | N/A | N/A | 8604916 |
| 223 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 207 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | IL | Investment | Refinance | Cash Out - Other |  |  |  |
| 229 | XX |  | XX C A | Closed | FCRE0184 | 2026-04-10 12:13 | 2026-04-15 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash out letter is not a required document. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached DSCR - Certificate of Business Purpose that was uploaded to your system. Please clear this finding. - Seller-04/14/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide missing cash out letter. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached DSCR - Certificate of Business Purpose that was uploaded to your system. Please clear this finding. - Seller-04/14/2026<br>| Resolved-Upon further review, cash out letter is not a required document. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 764. Required is 700 Borrower has 764<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.80 Borrower has 1.372. Required is 0.8 Borrower has 1.372<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.07%. Required is 75 Borrower has 66.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8597643 |
| 244 | XX |  | XX D B A | Closed | FCRE1506 | 2026-04-10 11:01 | 2026-04-15 16:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing docs: paystub, w2, docs providing breakdown of base/commission as well as VOR for primary 0x30. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Lender notes the the borrower provided the Final 2025 paystub shows breakdown and due to bonus income being variable it is averaged out. see attached - Seller-04/14/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing pay stub, W2 and WVOE to support base and commission income.<br> 2. Missing proof of the borrower timely housing payments (rental history) for the most recent 12 months - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Lender notes the the borrower provided the Final 2025 paystub shows breakdown and due to bonus income being variable it is averaged out. see attached - Seller-04/14/2026<br>| Resolved-Received missing docs: paystub, w2, docs providing breakdown of base/commission as well as VOR for primary 0x30. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8595288 |
| 244 | XX |  | XX D B A | Closed | FCRE1440 | 2026-04-10 10:45 | 2026-04-15 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOE for primary reflecting 0x30 - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing proof of the borrower timely housing payments (rental history primary home) for the most recent 12 months. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026<br>| Resolved-Received VOE for primary reflecting 0x30 - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8594860 |
| 244 | XX |  | XX D B A | Closed | FCRE7497 | 2026-04-10 11:12 | 2026-04-15 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HUD for REO reflecting subject to master hoa $396.96 and sub-association $383.90= $743.86/mo - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Lender notes the HOA is paid in two parts $359.96 to XX and $383.90 to Circ residences Condo = total HOA-$743.86. See attached settlement statement shows condo fees - Seller-04/14/2026 <br> Open-Missing proof of the HOA for property 3a, per 1003 there is an "other" amount of $743.86. Lender counted this REO in DTI. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Lender notes the HOA is paid in two parts $359.96 to XX and $383.90 to Circ residences Condo = total HOA-$743.86. See attached settlement statement shows condo fees - Seller-04/14/2026 | Resolved-Received HUD for REO reflecting subject to master hoa $396.96 and sub-association $383.90= $743.86/mo - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8595609 |
| 244 | XX |  | XX D B A | Closed | FCRE1316 | 2026-04-10 10:30 | 2026-04-15 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd party VOE met, bank statement evidencing the payroll deposit from pay period that immediately precedes the note - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Loan closed 4.xx2026, VVOE verified 3.xx.2026, however bank transaction shows verified employment with 4.7 direct deposit pay into XX Transaction Statement matches paystub xx. Loan meets NON QM Guideline 5.1.25 - Bank statements: Obtain bank statements evidencing the payroll deposit from the pay period that immediately precedes the note date - Seller-04/14/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the Verbal VOE for the borrower within 10 days of closing. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Loan closed 4.xx.2026, VVOE verified 3.xx.2026, however bank transaction shows verified employment with 4.7 direct deposit pay into xx Transaction Statement matches paystub xx. Loan meets NON QM Guideline 5.1.25 - Bank statements: Obtain bank statements evidencing the payroll deposit from the pay period that immediately precedes the note date - Seller-04/14/2026 | Resolved-3rd party VOE met, bank statement evidencing the payroll deposit from pay period that immediately precedes the note - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8594547 |
| 244 | XX |  | XX D B A | Closed | FCRE1330 | 2026-04-10 10:30 | 2026-04-15 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received paystubs 12/22/2025 ,base 03/06/2026 and bonus 03/06/2026. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026 <br>Open-Borrower 1 Paystubs Missing Missing the paystubs for the borrower. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026<br>| Resolved-Received paystubs 12/22/2025 ,base 03/06/2026 and bonus 03/06/2026. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8594548 |
| 244 | XX |  | XX D B A | Closed | FCRE1328 | 2026-04-10 10:30 | 2026-04-15 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Received 2025 W2. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026 <br>Open-Borrower 1 W2/1099 Missing Missing the borrower's W2s. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026<br>| Resolved-Received 2025 W2. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8594549 |
| 244 | XX |  | XX D B A | Closed | FCRE1333 | 2026-04-10 10:30 | 2026-04-15 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Missing Received paystubs 12/22/2025 ,base 03/06/2026 and bonus 03/06/2026 to support breakdown of income in base and bonus.ded - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Lender notes the the borrower provided the Final 2025 pay stub which shows breakdown and due to bonus income being variable it is averaged out. - Seller-04/14/2026 <br>Open-Borrower 1 WVOE Missing Missing the Written VOE for the borrower to support commission income. Work # in file only shows t total income but no breakdown. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Lender notes the the borrower provided the Final 2025 pay stub which shows breakdown and due to bonus income being variable it is averaged out. - Seller-04/14/2026<br>| Resolved-Borrower 1 WVOE Missing Received paystubs 12/22/2025 ,base 03/06/2026 and bonus 03/06/2026 to support breakdown of income in base and bonus.ded - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8594550 |
| 244 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-10 06:00 | 2026-04-10 07:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 35.98 Required is 50.49 Borrower has 35.98<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 725 Required is 700 Borrower has 725 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8590535 |
| 221 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 165 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 231 | XX |  | XX D B A | Closed | FCRE1173 | 2026-04-13 08:26 | 2026-04-22 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master Policy. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Please see attached master policy - Seller-04/21/2026 <br> Counter-Received homeowners dec page already present in file. Condition remains, pending receipt of the condo project policy (XX Master policy). - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026 <br> Open-Missing Condo Master Insurance Policy Provide master insurance policy for condo project. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached master policy - Seller-04/21/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/14/2026<br>| Resolved-Received Condo Master Policy. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 817 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8619620 |
| 231 | XX |  | XX D B A | Closed | FCRE0179 | 2026-04-13 09:08 | 2026-04-20 15:57 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received revised 1008, continuation sheet Warrantable addressed by UW. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br>Counter-Client requires a UW attestation. Finding remains. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Please see attached 1008 which states the property is a Detached Condo which does not require a condo review. Since there is no Condo Review required, it would have been underwritten as a warrantable condo. Please waive this finding. - Seller-04/14/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Missing attestation stating warrantability for subject project. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br>Ready for Review-Please see attached 1008 which states the property is a Detached Condo which does not require a condo review. Since there is no Condo Review required, it would have been underwritten as a warrantable condo. Please waive this finding. - Seller-04/14/2026<br>| Resolved-Received revised 1008, continuation sheet Warrantable addressed by UW. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 817 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8620523 |
| 231 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-10 11:12 | 2026-04-11 06:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39<br>LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 817 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8595624 |
| 220 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 217 | XX |  | XX D B A C | Closed | finding-3352 | 2026-04-10 12:53 | 2026-04-15 16:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. There is a master policy that covers walls in. There is no individual policy. There is nothing to impound when there is no premium. See attached walls in policy - Seller-04/14/2026 <br>Ready for Review-HPML is allowed on this loan. There are impounds and an appraisal - Seller-04/14/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: 04/07/2027. Subjhect loan does not have full escrows. Hazard insurance is not escrowed. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. There is a master policy that covers walls in. There is no individual policy. There is nothing to impound when there is no premium. See attached walls in policy - Seller-04/14/2026 <br>Ready for Review-HPML is allowed on this loan. There are impounds and an appraisal - Seller-04/14/2026<br>| Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50.49% Borrower has 36.37%. Required is 50.49 Borrower has 36.37<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 798. Required is 680 Borrower has 798 |  | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8598855 |
| 217 | XX |  | XX D B A C | Closed | FCRE1180 | 2026-04-13 18:49 | 2026-04-15 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Upon further review, master policy includes wall-in and betterments. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Walls-In (HO6) is included in the Master Policy. Please see attached. - Seller-04/14/2026 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Walls-In (HO6) is included in the Master Policy. Please see attached. - Seller-04/14/2026<br>| Resolved-Upon further review, master policy includes wall-in and betterments. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50.49% Borrower has 36.37%. Required is 50.49 Borrower has 36.37<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 798. Required is 680 Borrower has 798 |  | XX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8637128 |
| 217 | XX |  | XX D B A C | Closed | FCOM1301 | 2026-04-10 11:43 | 2026-04-11 07:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50.49% Borrower has 36.37%. Required is 50.49 Borrower has 36.37<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 798. Required is 680 Borrower has 798 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8597083 |
| 204 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | TX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 183 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 226 | XX |  | XX D B A | Closed | FCRE1506 | 2026-04-13 11:27 | 2026-04-15 15:11 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 months business bank statements that were uploaded to your system. Please clear this finding, - Seller-04/14/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing borrower's income documentation to determine ability to re-pay. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached 12 months business bank statements that were uploaded to your system. Please clear this finding, - Seller-04/14/2026<br>| Resolved-Received missing income documentation. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 761 which exceeds the minimum of 660 Required is 660 Borrower has 761<br>Qualifying DTI below maximum allowed - DTI of 17.21% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 17.19<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8623646 |
| 226 | XX |  | XX D B A | Closed | FCRE1342 | 2026-04-13 10:55 | 2026-04-15 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received 12 month Statements. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 months Business Bank statements that were uploaded to your system. Please clear this finding. - Seller-04/14/2026 <br>Open-Borrower 1 Business Bank Statements Missing Missing bank statements to calculate income. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached 12 months Business Bank statements that were uploaded to your system. Please clear this finding. - Seller-04/14/2026<br>| Resolved-Received 12 month Statements. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 761 which exceeds the minimum of 660 Required is 660 Borrower has 761<br>Qualifying DTI below maximum allowed - DTI of 17.21% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 17.19<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | 8622895 |
| 226 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-13 08:12 | 2026-04-13 08:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator Waiver applied to non-material findings. - Due Diligence Vendor-04/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator Waiver applied to non-material findings. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 761 which exceeds the minimum of 660 Required is 660 Borrower has 761<br>Qualifying DTI below maximum allowed - DTI of 17.21% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 17.19<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 75 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | 8619406 |
| 227 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | TX | Investment | Refinance | Cash Out - Other |  |  |  |
| 166 | XX |  | XX C A | Closed | FCRE0184 | 2026-04-13 16:05 | 2026-04-15 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash out letter is not required per the guidelines. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-04/14/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide LOE for cash out. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-04/14/2026<br>| Resolved-Upon further review, cash out letter is not required per the guidelines. - Due Diligence Vendor-04/15/2026<br>| Months Reserves exceed minimum required - 16 months reserves exceeds 6 months required. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8633012 |
| 200 | XX |  | XX D B A | Closed | FCRE1316 | 2026-04-13 15:36 | 2026-04-16 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter received validates employment history of over 2 years - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Lender verified Sole ownership with CPA letter on 3.20.2026, this is within 60 days of Note being closed on date 4.XX.2026and meets NON QM guideline 5.1.26. Please expedite this to be cleared as soon as possible - Seller-04/14/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . Missing VVOE to verify the existence of the borrower's business within 120 calendar days prior to the note date. (required per FNMA guidelines) - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Lender verified Sole ownership with CPA letter on 3.20.2026, this is within 60 days of Note being closed on date 4.6.2026and meets NON QM guideline 5.1.26. Please expedite this to be cleared as soon as possible - Seller-04/14/2026<br>| Resolved-CPA letter received validates employment history of over 2 years - Due Diligence Vendor-04/16/2026<br>| Qualifying DTI below maximum allowed - DTI of 35.92% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.92<br>LTV is less than guideline maximum - LTV of 47.7% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 47.7<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 796 which exceeds the minimum of 660 Required is 660 Borrower has 796 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8632137 |
| 200 | XX |  | XX D B A | Closed | FCRE1325 | 2026-04-14 12:07 | 2026-04-16 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter which validated over a 2 year work history - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Lender verified Sole ownership with CPA letter on 3.20.2026, this is within 60 days of Note being closed on date 4.6.2026and meets NON QM guideline 5.1.26. Please expedite this to be cleared as soon as possible - Seller-04/14/2026 <br>Open-Borrower 1 CPA Letter Missing. Provide a CPA letter to support borrower ownership % of the business. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Lender verified Sole ownership with CPA letter on 3.20.2026, this is within 60 days of Note being closed on date 4.6.2026and meets NON QM guideline 5.1.26. Please expedite this to be cleared as soon as possible - Seller-04/14/2026<br>| Resolved-Received CPA letter which validated over a 2 year work history - Due Diligence Vendor-04/16/2026<br>| Qualifying DTI below maximum allowed - DTI of 35.92% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.92<br>LTV is less than guideline maximum - LTV of 47.7% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 47.7<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 796 which exceeds the minimum of 660 Required is 660 Borrower has 796 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8655118 |
| 200 | XX |  | XX D B A | Closed | FCOM1301 | 2026-04-13 08:53 | 2026-04-13 08:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - DTI of 35.92% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.92<br>LTV is less than guideline maximum - LTV of 47.7% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 47.7<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 796 which exceeds the minimum of 660 Required is 660 Borrower has 796 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 8620318 |
| 208 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | VA | Investment | Refinance | Cash Out - Other |  |  |  |
| 180 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 228 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 239 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 182 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NJ | Investment | Refinance | Cash Out - Other |  |  |  |
| 172 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | PA | Investment | Refinance | Cash Out - Other |  |  |  |
| 218 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 185 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 243 | XX |  | XX D A | Closed | FCRE7347 | 2026-04-14 15:13 | 2026-04-28 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Per the guidelines, a lease agreement is not required if the appraiser lists the rent amount for the subject on form 1007/1025. Per the appraisal, unit 1 is currently rented with the monthly rent listed on the appraisal which matches the market rent, the other 2 units are not rented. lease agreement is not required per guidelines for unit 1. - Due Diligence Vendor-04/28/2026 <br>Ready for Review- Please expedite this to be cleared as soon as possible... 3.5 – Unleased Units, no vacancy factor is required, and the gross market rents reflected on the Form 1007 may be used for both purchase and refinance transactions. For 1–4 unit properties, the guidelines permit up to 100% vacancy, and the market rents shown on the 1007 are acceptable for qualifying purposes. - Seller-04/24/2026 <br>Counter-Received DSCR guidelines 3.5 and 3.5. Appraisal reflects Actual rent for unfurnished unit 1 is $1500. Please provide lease for unit 1 or revised appraisal report rent schedule reflecting units are vacant. - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. Lender notes the loan qualifies using the greater of the Form 1007 or the current lease amount. In this case, qualification is based solely on the Form 1007 rent amount, and the 120% rent adjustment is not being applied. Therefore, no additional documentation is required, as this complies with DSCR Guidelines Section 3.3, first bullet point. <br> Additionally, per DSCR Guidelines Section 3.5 – Unleased Units, no vacancy factor is required, and the gross market rents reflected on the Form 1007 may be used for both purchase and refinance transactions. For 1–4 unit properties, the guidelines permit up to 100% vacancy, and the market rents shown on the 1007 are acceptable for qualifying purposes. - Seller-04/16/2026 <br>Open-Missing Lease Agreement for in place rent - Due Diligence Vendor-04/14/2026 | Ready for Review- Please expedite this to be cleared as soon as possible... 3.5 – Unleased Units, no vacancy factor is required, and the gross market rents reflected on the Form 1007 may be used for both purchase and refinance transactions. For 1–4 unit properties, the guidelines permit up to 100% vacancy, and the market rents shown on the 1007 are acceptable for qualifying purposes. - Seller-04/24/2026 <br>Ready for Review-Document Uploaded. Lender notes the loan qualifies using the greater of the Form 1007 or the current lease amount. In this case, qualification is based solely on the Form 1007 rent amount, and the 120% rent adjustment is not being applied. Therefore, no additional documentation is required, as this complies with DSCR Guidelines Section 3.3, first bullet point. <br> Additionally, per DSCR Guidelines Section 3.5 – Unleased Units, no vacancy factor is required, and the gross market rents reflected on the Form 1007 may be used for both purchase and refinance transactions. For 1–4 unit properties, the guidelines permit up to 100% vacancy, and the market rents shown on the 1007 are acceptable for qualifying purposes. - Seller-04/16/2026<br>| Resolved-Per the guidelines, a lease agreement is not required if the appraiser lists the rent amount for the subject on form 1007/1025. Per the appraisal, unit 1 is currently rented with the monthly rent listed on the appraisal which matches the market rent, the other 2 units are not rented. lease agreement is not required per guidelines for unit 1. - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.12 Required is 75 Borrower has 69.12<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.765 Required is 0.8 Borrower has 1.765 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | IL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8660013 |
| 243 | XX |  | XX D A | Closed | FCRE1440 | 2026-04-15 17:12 | 2026-04-17 16:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free letter. Experienced investor with acceptable most recent 12 mo mortgage financing history within last 3 years. VOM 0x30 loan originated 07/17/2024 next due 03/01/2026 - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached, Subject Mtg - showing due for the 3.1 payment and not required to be paid due to "within" the 60 days of closing... - Seller-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing proof of mortgage payments for Feb and March for the subject property acct#XX. Missing copy of the rent free letter for the primary residence. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached, Subject Mtg - showing due for the 3.1 payment and not required to be paid due to "within" the 60 days of closing... - Seller-04/16/2026<br>| Resolved-Received Rent Free letter. Experienced investor with acceptable most recent 12 mo mortgage financing history within last 3 years. VOM 0x30 loan originated 07/17/2024 next due 03/01/2026 - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.12 Required is 75 Borrower has 69.12<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.765 Required is 0.8 Borrower has 1.765 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | IL | Investment | Refinance | Cash Out - Other | N/A | N/A | 8691839 |
| 186 | XX |  | XX D A C | Closed | FCRE1506 | 2026-04-16 10:08 | 2026-04-24 14:39 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-2 year employment history documented on signed 1003. QM status verified. - Due Diligence Vendor-04/24/2026 <br>Counter-Pending receipt of 3rd party Employment Verification. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Please refer to comments in related finding. - Seller-04/21/2026 <br>Counter-Income documentation provided is sufficient, however 2 years employment history is required per the guidelines. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Please refer to comments in related finding. - Seller-04/20/2026 <br>Counter-Pending docs (verification b has 2 years 1099) - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/16/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide private mortgage VOM verifying terms and 12m pay history. - Due Diligence Vendor-04/16/2026 | Ready for Review-Please refer to comments in related finding. - Seller-04/21/2026 <br>Ready for Review-Please refer to comments in related finding. - Seller-04/20/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/16/2026<br>| Resolved-2 year employment history documented on signed 1003. QM status verified. - Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 33.18<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 30.3 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8705117 |
| 186 | XX |  | XX D A C | Closed | FCRE1325 | 2026-04-16 09:17 | 2026-04-24 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower meets all income requirements for Alt Doc – IRS Form 1099. 2 year employment history documented on signed 1003. - Due Diligence Vendor-04/24/2026 <br> Counter-5.7 of the guidelines state - A minimum of two (2) years of employment history — for both wage/salary and self-employed borrowers — must be documented. Please provide the 3rd party verification of employment. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-The Income Verification Type of this loan was 1-year 1099. As included on the 1003, the borrower has been employed byXX for 5 years and 6 months . Therefore, the 2 years employment history requirement has been met. - Seller-04/21/2026 <br> Counter-Income documentation provided is sufficient, however 2 years employment history is required per the guidelines. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-GL 5.1.23 do not apply to this transaction. As previously noted, the Income Verification Type of this loan was 1-year 1099. A CPA letter is not part of the documentation requirements according to XX, NonQM Guidelines, section 7.5 Alt Doc – IRS Form 1099 . Please escalate and clear this finding. - Seller-04/20/2026 <br> Counter-Received xpl CPA letter not part of lender 7.6, however GL 5.1.23 indicates that a minimum of 2 year verification of employment history is required for wage or SE, and that borrower using 1099 is considered SE. File is missing verification borrower has 2 years SE. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-The Income Verification Type of this loan was 1-year 1099. A CPA letter is not part of the documentation requirements according to XX, NonQM Guidelines, section 7.5 Alt Doc – IRS Form 1099. - Seller-04/16/2026 <br> Open-Borrower 1 CPA Letter Missing Self-employment must be verified for a minimum of two years and verify the current existence of the business within 60 days of the note date. File only contains 1 year 1099. Missing verification of the borrowers self-employment/business for 2 years. - Due Diligence Vendor-04/16/2026 | Ready for Review-The Income Verification Type of this loan was 1-year 1099. As included on the 1003, the borrower has been employed by xx for 5 years and 6 months . Therefore, the 2 years employment history requirement has been met. - Seller-04/21/2026 <br> Ready for Review-GL 5.1.23 do not apply to this transaction. As previously noted, the Income Verification Type of this loan was 1-year 1099. A CPA letter is not part of the documentation requirements according to xx, NonQM Guidelines, section 7.5 Alt Doc – IRS Form 1099 . Please escalate and clear this finding. - Seller-04/20/2026 <br> Ready for Review-The Income Verification Type of this loan was 1-year 1099. A CPA letter is not part of the documentation requirements according to xx, NonQM Guidelines, section 7.5 Alt Doc – IRS Form 1099. - Seller-04/16/2026 | Resolved-Borrower meets all income requirements for Alt Doc – IRS Form 1099. 2 year employment history documented on signed 1003. - Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 33.18<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 30.3 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8703569 |
| 186 | XX |  | XX D A C | Closed | FCRE1440 | 2026-04-15 16:01 | 2026-04-20 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM 0x30. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide private mortgage VOM verifying terms and 12m pay history. Additional findings may apply. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2026<br>| Resolved-Received VOM 0x30. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 33.18<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 30.3 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8687024 |
| 186 | XX |  | XX D A C | Closed | finding-3540 | 2026-04-14 17:53 | 2026-04-20 11:22 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received Signed Revised CD's 03/25 and 04/06/2026. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. UPLOADED - Seller-04/16/2026 <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD 03/25/2026 and 04/06/2026 is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is 04/08/2029. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-04/16/2026<br>| Resolved-Received Signed Revised CD's 03/25 and 04/06/2026. Finding Resolved. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 33.18<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 30.3 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8662556 |
| 186 | XX |  | XX D A C | Closed | finding-3634 | 2026-04-14 17:53 | 2026-04-20 11:22 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. LOCKED LE & LOCK EXTENSION CD UPLOADED - Seller-04/16/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,513.78.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $1,513.78 Points - Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,513.78, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: 04/08/2029. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. LOCKED LE & LOCK EXTENSION CD UPLOADED - Seller-04/16/2026<br>| Resolved-Received COC for increase in fees - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 33.18<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 30.3 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8662557 |
| 170 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 164 | XX |  | XX C B A | Closed | FCRE1198 | 2026-04-17 11:17 | 2026-04-27 12:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow 2 months reserves with 3 months required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 2 months reserves. - Seller-04/24/2026 <br>Open-Audited Reserves of 2.85 month(s) are less than Guideline Required Reserves of 3 month(s) Provide sufficient assets to meet reserve requirement. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 2 months reserves. - Seller-04/24/2026<br>| Waived-Originator exception granted to allow 2 months reserves with 3 months required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/27/2026<br>| Credit history exceeds minimum required - Credit history 0x30 since 2019<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753 | DSCR % greater than 1.20 <br> Qualifying FICO score is at least 20 points above minimum for program (700 vs. 753) | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NJ | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 8735945 |
| 164 | XX |  | XX C B A | Closed | FCRE1440 | 2026-04-17 13:38 | 2026-04-22 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Please note, this is a DSCR loan. Housing history is not a qualifying factor, as the loan is not dependent on DTI or traditional credit-based income analysis.<br>The Select Portfolio mortgage referenced is associated with a separate investment property (XXX) and is not the subject property. The subject property for this loan is XX<br>Additionally, a Verification of Rent (VOR) has been provided for the borrower's primary residence and uploaded for your review. Please clear this finding. - Seller-04/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a satisfactory 12 month mortgage history with Select Portfolio. Credit report indicates mortgage was open 9/23/24 and only 5 months is reported. Additionally, provided a satisfactory 12 month rental history for the borrower's primary residence. Additional conditions may apply. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please note, this is a DSCR loan. Housing history is not a qualifying factor, as the loan is not dependent on DTI or traditional credit-based income analysis.<br>The XX mortgage referenced is associated with a separate investment property (XX) and is not the subject property. The subject property for this loan is xx<br>Additionally, a Verification of Rent (VOR) has been provided for the borrower's primary residence and uploaded for your review. Please clear this finding. - Seller-04/20/2026 | Resolved-Received VOR 0x30. - Due Diligence Vendor-04/22/2026<br>| Credit history exceeds minimum required - Credit history 0x30 since 2019<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NJ | Investment | Refinance | Cash Out - Other | N/A | N/A | 8741892 |
| 184 | XX |  | XX C A | Closed | finding-47 | 2026-04-17 19:06 | 2026-04-22 13:24 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 04/22/2026. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. See attached - Seller-04/22/2026 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/22/2026<br>| Resolved-Received PCCD 04/22/2026. Finding Resolved. - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780<br>LTV is less than guideline maximum - Required is 75 Borrower has 42.6 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8748899 |
| 246 | XX |  | XX C A | Closed | FCRE1510 | 2026-04-20 10:58 | 2026-04-23 10:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-DOT with legal description was provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding. - Seller-04/22/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding. - Seller-04/22/2026<br>| Resolved-DOT with legal description was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783 Required is 700 Borrower has 783<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | KS | Investment | Refinance | Cash Out - Other | N/A | N/A | 8769046 |
| 237 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other |  |  |  |
| 201 | XX |  | XX D A | Closed | FCRE2371 | 2026-04-21 23:13 | 2026-04-24 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received Settlement Statement for 3h. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached supports Sold status for REO 3h - XXX (Inv- SOLD) - Seller-04/22/2026 <br> Open-REO 3h - Lender to provide documentation the property sold as the Settlement Statement provided in file is for the purchase of the property on 4/24/2023. Additional conditions may apply, pending review. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached supports Sold status for REO 3h - XX (Inv- SOLD) - Seller-04/22/2026 | Resolved-Received Settlement Statement for 3h. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8808326 |
| 201 | XX |  | XX D A | Closed | FCRE7497 | 2026-04-21 23:13 | 2026-04-24 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received estimated PITIA for the purchase of a property that as not closed. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Lender notes the REO 3i is a Purchase transaction has not yet closed with new XX loan XX for REO 3i - xx (Inv). Not yet owned, however the borrower is qualifying on this loan with the potential obligation as documented thus far as worst case scenario (see attached) since REO is not yet owned / closed. P&I $2,627.50, rcvd - Taxes $810.72, rcvd - HOI $114.25, rcvd - Flood Ins $91.25, HOA none = Total $3,643.72 minus Gross Rents $5,500 - Seller-04/22/2026 <br> Open-REO 3i - Lender to provide full PITIA documentation for new XX loan as reflected on the final loan application. Additional conditions may apply, pending review. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Lender notes the REO 3i is a Purchase transaction has not yet closed with new XX for REO 3i - XX (Inv). Not yet owned, however the borrower is qualifying on this loan with the potential obligation as documented thus far as worst case scenario (see attached) since REO is not yet owned / closed. P&I $2,627.50, rcvd - Taxes $810.72, rcvd - HOI $114.25, rcvd - Flood Ins $91.25, HOA none = Total $3,643.72 minus Gross Rents $5,500 - Seller-04/22/2026 | Resolved-Received estimated PITIA for the purchase of a property that as not closed. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8808327 |
| 167 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 6**

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| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 176 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | Yes | 6500 | 6200 | Appraisal - 1007 |  | N/A |  |  | 6200 | N/A | No | 151.8 | 0 | 0 | 9411.77 | 6500 | 03-30-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6200 |  |  |  |  |  |  |  | No | 21.4 | 10 | 1 | N/A | 77.19 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 175 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 6800 | Appraisal - 1007 |  | N/A |  |  | 6800 | N/A | No | 125.4 | 0 | 0 | 8527.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6800 |  |  |  |  |  |  |  | No | 18.2 | 10 | 1 | N/A | 70.87 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 174 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 89.74 | 1.114 | 1.114 | 2512.68 | 2800 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | 10.2 | 1 | 1 | N/A | 87.33 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 173 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2600 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 84.82 | 1.333 | 1.179 | 1950.93 | 2600 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 10 | 1 | 1 | N/A | 84.45 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 202 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3200 | 2700 | Appraisal - 1007 |  | N/A |  |  | 3200 | Actual In Place Rent | No | 95.04 | 1.052 | 1.052 | 3041.19 | 3200 | 04-30-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.69 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 177 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 8075 | Appraisal - 1025 |  | N/A |  |  | 8075 | Appraisal - 1025 | No | 82.23 | 0 | 0 | 6639.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8075 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 109.85 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 193 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1025 |  | N/A |  |  | 2000 | Appraisal - 1025 | No | 61.06 | 1.645 | 1.638 | 1221.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 2000 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 0.3 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 199 | XX |  | XX | XX | XX | 1YR Full Doc | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 150.21 | 0 | 0 | 4957.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 60.69 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 241 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 80.3 | 1.245 | 1.245 | 1646.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2050 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.55 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Owner |
| 191 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 80.71 | 1.238 | 1.239 | 2340.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 337.12 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Owner |
| 210 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 84.29 | 1.186 | 1.186 | 1685.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 2000 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 102.95 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 245 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No |  | 2000 | Appraisal - 1007 |  | N/A |  |  |  | Appraisal - 1007 | No | 87.46 | 1.143 | 1.143 | 1749.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.9 | 1 | 1 | N/A | 68.14 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 197 | XX |  | XX | XX | XX | 2YR Business P&L | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 113.14 | 0 | 0 | 3620.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 189.07 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 224 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5000 | 3360 | Appraisal - 1007 |  | N/A |  |  | 3360 | Appraisal - 1007 | No | 98.17 | 1.019 | 1.019 | 3298.48 | 5000 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX | 0 | 3360 |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 9.98 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 195 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 98.1 | 1.019 | 1.019 | 2550.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 25.33 | Yes | XX | Corporation | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 213 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3500 | Appraisal - 1025 |  | N/A |  |  | 3500 | Actual In Place Rent | No | 62.16 | 1.609 | 1.609 | 2175.52 | 2000 | 04-02-2026 | 1 | 1500 | 04-02-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 1.4 | 1 | 1 | N/A | 40.06 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 235 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 61.56 | 1.624 | 1.624 | 1108.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 7.26 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 219 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1645 | Appraisal - 1007 |  | N/A |  |  | 1645 | Appraisal - 1007 | No | 95.26 | 1.05 | 1.05 | 1567.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1645 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 44.97 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 198 | XX |  | XX | XX | XX | 1YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 11601.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.02 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 169 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 64.01 | 1.562 | 1.562 | 1024.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.16 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 188 | XX |  | XX | XX | XX | 1YR Business P&L | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 121.16 | 0 | 0 | 3998.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.56 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 212 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2095 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2095 | Actual In Place Rent | No | 98.67 | 1.014 | 1.014 | 2067.08 | 2095 | 09-19-2026 | 18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2095 |  |  |  |  |  |  |  | No | 11.8 | 1 | 1 | N/A | 144.28 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 215 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2575 | 2375 | Appraisal - 1007 |  | N/A |  |  | 2575 | Actual In Place Rent | No | 99.87 | 1.001 | 1.001 | 2571.58 | 2575 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2575 |  |  |  |  |  |  |  | No | 4.8 | 1 | 1 | N/A | 23.39 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 168 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 9739.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 0 | 0 |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 51.59 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 209 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 1905 | Appraisal - 1007 |  | N/A |  |  | 1905 | Appraisal - 1007 | No | 90.28 | 1.108 | 1.108 | 1719.85 | 2000 | 01-04-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1905 |  |  |  |  |  |  |  | No | 19.9 | 1 | 1 | N/A | 102.53 | Yes | XX | Corporation | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 190 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 77.97 | 1.283 | 1.283 | 1949.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 17.8 | 1 | 1 | N/A | 43.01 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 189 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1025 |  | N/A |  |  | 2300 | Appraisal - 1025 | No | 74.7 | 1.339 | 1.339 | 1718.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 2.3 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 242 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2120 | Appraisal - 1007 |  | N/A |  |  | 2120 | Appraisal - 1007 | No | 94.79 | 1.055 | 1.055 | 2009.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 2120 |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 80.8 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 171 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1007 | 9833.33 | Other | 1 |  | 9833.33 | Other | Yes | 62.22 | 1.607 | 1.607 | 6118.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 9833.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 236 | XX |  | XX | XX | XX | 2YR Business P&L | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 6476.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 0 |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 14.96 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 238 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 19000 | Appraisal - 1007 |  | N/A |  |  | 19000 | Appraisal - 1007 | No | 76.82 | 1.302 | 1.302 | 14595.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 19000 |  |  |  |  |  |  |  | No | 2.5 | 1 | 1 | N/A | 11.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 205 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2025 | Appraisal - 1007 |  | N/A |  |  | 2025 | Appraisal - 1007 | No | 86.95 | 1.15 | 1.15 | 1760.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2025 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.76 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 203 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2265 | Appraisal - 1007 |  | N/A |  |  | 2265 | Appraisal - 1007 | No | 71.49 | 1.398 | 1.399 | 1619.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2265 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 26.07 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 216 | XX |  | XX | XX | XX | 2YR Full Doc | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 8324.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.8 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Owner |
| 222 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 77.81 | 1.2 | 1.285 | 1711.93 | 2000 | 01-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 108.03 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 240 | XX |  | XX | XX | XX | 1YR Business P&L | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 183.19 | 0 | 0 | 8243.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 4500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.37 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 223 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4500 | Actual In Place Rent | No | 57.87 | 1.728 | 1.728 | 2604.26 | 4500 | 04-06-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 31.8 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 207 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5000 | 5100 | Appraisal - 1007 |  | N/A |  |  | 5000 | Actual In Place Rent | No | 78.57 | 1.273 | 1.273 | 3928.52 | 5000 | 05-31-2027 | 14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | 17.8 | 1 | 1 | N/A | 74.05 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 229 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1650 | Appraisal - 1007 |  | N/A |  |  | 1650 | Appraisal - 1007 | No | 72.9 | 1.372 | 1.372 | 1202.86 | 1650 | 01-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 1650 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 106.7 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 221 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3550 | Appraisal - 1025 |  | N/A |  |  | 3500 | Actual In Place Rent | No | 65.49 | 1.527 | 1.527 | 2292.04 | 1750 | 01-30-2027 | 36 | 1750 | 03-30-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 19.16 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 165 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 8100 | 8400 | Appraisal - 1025 |  | N/A |  |  | 8400 | Appraisal - 1025 | No | 89.31 | 1.12 | 1.12 | 7501.79 | 2000 | 04-08-2026 | 1 | 2100 | 04-08-2026 | 1 | 2000 | 04-08-2026 | 1 | 2000 | 04-08-2026 | 1 |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 8400 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 19.8 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 220 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3350 | 3400 | Appraisal - 1025 |  | N/A |  |  | 3350 | Actual In Place Rent | No | 67.19 | 1.497 | 1.488 | 2250.9 | 1700 | 01-30-2027 | 36 | 1650 | 03-30-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3350 |  |  |  |  |  |  |  | No | 3.2 | 3 | 1 | N/A | 19.92 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 204 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1748 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1748 | Actual In Place Rent | No | 86.75 | 1.068 | 1.068 | 1516.42 | 1748 | 02-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1748 |  |  |  |  |  |  |  | No | 2 | 1 | 1 | N/A | 0.7 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 183 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1007 |  | N/A |  |  | 4400 | Appraisal - 1007 | No | 113.41 | 0.882 | 0.882 | 4990.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4400 |  |  |  |  |  |  |  | No | 27 | 1 | 1 | N/A | 29.41 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 227 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 79.18 | 1.262 | 1.263 | 1504.45 | 1650 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 0 | 1900 |  |  |  |  |  |  |  | No | 13.4 | 1 | 1 | N/A | 93 | Yes | XX | Revocable Trust | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 166 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 96.46 | 1.205 | 1.037 | 2073.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2150 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 16.31 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 208 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1440 | 1690 | Appraisal - 1007 |  | N/A |  |  | 1440 | Actual In Place Rent | No | 64.96 | 1.539 | 1.539 | 935.45 | 1440 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 1440 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 98.66 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 180 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2800 | 1995 | Appraisal - 1007 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 65.86 | 1.518 | 1.518 | 1844.2 | 2800 | 04-30-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 2800 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 228 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4600 | Appraisal - 1007 |  | N/A |  |  | 4600 | Appraisal - 1007 | No | 99.24 | 1.008 | 1.008 | 4564.99 | 4500 | 01-14-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4600 |  |  |  |  |  |  |  | No | 4.4 | 1 | 1 | N/A | 98.81 | Yes | XX | Corporation | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 239 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 13200 | Appraisal - 1007 |  | N/A |  |  | 13200 | Appraisal - 1007 | No | 77.36 | 1.293 | 1.293 | 10210.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX | 0 | 13200 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 15.34 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 182 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2690 | 3100 | Appraisal - 1025 |  | N/A |  |  | 2690 | Actual In Place Rent | No | 75.3 | 1.328 | 1.328 | 2025.63 | 1080 | 04-10-2026 | 1 | 1610 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2690 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 90.09 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 172 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1542 | Appraisal - 1007 |  | N/A |  |  | 1542 | Appraisal - 1007 | No | 56.05 | 1.784 | 1.784 | 864.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 1542 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 99.59 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 218 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 7450 | 7600 | Appraisal - 1025 |  | N/A |  |  | 7600 | Appraisal - 1025 | No | 94.94 | 1.053 | 1.053 | 7215.69 | 3950 | 05-31-2026 | 12 | 3500 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7600 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 53.11 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 243 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4800 | 4800 | Appraisal - 1025 |  | N/A |  |  | 4800 | Appraisal - 1025 | No | 56.64 | 1.765 | 1.765 | 2718.84 | 1500 | 04-06-2026 | 12 | 1800 | 04-06-2026 | 12 | 1500 | 04-06-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4800 |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 34.36 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 170 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1775 | Appraisal - 1007 |  | N/A |  |  | 1775 | Appraisal - 1007 | No | 87.46 | 1.143 | 1.143 | 1552.5 | 1900 | 04-30-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1775 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 11.84 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 164 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 6000 | 9000 | Appraisal - 1025 |  | N/A |  |  | 9000 | Appraisal - 1025 | No | 66.38 | 1.205 | 1.205 | 5973.77 | 2350 | 05-10-2026 | 12 | 2350 | 05-10-2026 | 12 | 1300 | 05-10-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 7200 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 2.85 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 246 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 |  | N/A |  |  | 1950 | Appraisal - 1007 | No | 92.01 | 1.087 | 1.087 | 1794.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1950 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 40.86 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 237 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6300 | Appraisal - 1025 |  | N/A |  |  | 6300 | Appraisal - 1025 | No | 86.88 | 1.151 | 1.151 | 5473.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6300 |  |  |  |  |  |  |  | No | 31.9 | 1 | 1 | N/A | 120.05 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 201 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | Yes | 2650 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 104.55 | 0 | 0 | 2613.82 | 2650 | 02-14-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 1.8 | 2 | 1 | N/A | 12.06 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 167 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 13000 | 12965 | Appraisal - 1007 |  | N/A |  |  | 12965 | Appraisal - 1007 | No | 73.43 | 1.365 | 1.362 | 9520.59 | 13000 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 12965 |  |  |  |  |  |  |  | No | 4.1 | 1 | 1 | N/A | 98.43 | Yes | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |

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